We are a local bank, rooted in the heart of those we serve. We’ve been helping dreams come true for our neighbors since 1924, and we’re ready to turn yours into reality.

Heritage Bank Loan expertsWe know buying or building a home can be the most exciting time in one’s life. Our home loan and refinancing experts will help guide you through the process, educate you on all the loan options available, and be there every step of the way.

While our classic construction/permanent loans are fitting for new construction, the product may also be used for home repair/rehabilitation. Today’s complex and volatile home loan environment means that nearly everyone’s situation is unique.

In addition to home loans, we also have several commercial loans available. Contact us today to talk to a loan specialist.

We use the following to determine the best loan possibility for you:

- Your Credit Score
- Your Verifiable Income
- Your Cash Reserves
- Purchase or Refinance
- Amount Down Payment or Home Equity Repayment Term



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