Mortgage Loans

Whether you are a fist time buyer or a long time owner, HFCU has a program to meet your needs. We offer terms ranging from 10-30 years depending on your specific needs. Call us today and we will work hard to ensure your buying or refinancing experience is handled professionally and efficiently. We have a wide variety of options including Federal Housing Administration (FHA), Veterans Administration (VA), 100% Rural Development (RD), Condominium, and several other programs.

  • Fixed Rate First Mortgages - fixed rate mortgages offer homebuyers a consistent interest rate and predictable payments over the life of the loan.
  • Adjustable Rate Mortgages - Adjustable rate mortgages (ARM) offer the buyer a low initial interest rate that adjusts annually after a predetermined period. This may be an option to consider depending on how long you plan to keep the property.
  • Construction to Permanent Mortgages - If you are planning on building a new home, we offer several options including both 15 and 30 year fixed and adjustable rate loan options once your home is complete. These loans can include a single set of closing costs, interest only payments and a fixed interest rate during construction.
  • Fixed Rate Second Mortgages - Tap into equity in your home for a specific project With a term available up to 12 yrs.
  • Lots and Land - If you are planning on purchasing property, we have programs for lots or land up to 50 acres. Fixed Rates available up to 12 year terms.


Business, Commercial or Commercial Construction Loans - We have the flexibility to work with you to structure a deal that fits your business needs. Repayment terms, amortization periods and note terms are available to fit a wide variety of property types. We even offer longer term notes to help you avoid the stress of continual maturities and balloons. Call one of our business/commercial loan experts to discuss your purchase or project specifically.

Call us today, or click on the button to the right to begin the process of applying online.


Loan Type Term/Months     
Fixed Rate First Mortgage 10/15/30 year    
Second Mortgage 12-Yr.Fix.    
ARM  5/1, 7/1 & 10/1  30-Yr.Am.    
Construction to Perm Up to 12 months interest only, then 15 & 30 fixed or ARM    
Land 12-Yr.Fix.    
Lot Loans  5/1 ARM with 15-Yr. AM.    
 Rural Development, VA, FHA  These programs are available - call for details    

Business/Commercial - Call our business loan department for options and rates

*APR=Annual Percentage Rate

NOTE: Rates, terms and approvals are based on the program, personal credit scores and other underwriting criteria. Rates are subject to change daily. Harvesters Federal Credit Union is a member NCUA and an Equal Housing Lender.

*APR = Annual Percentage Rate

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