Greater Cincinnati Mortgage Loans & Home Refinancing

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Buying, building or refinancing a home is a big decision. With all of the choices you are considering, you should not be torn between ease & efficiency and local, personalized service. At Heritage Bank, mortgage customers can expect both. 

Purchase a Home
You choose the home. We take care of the loan.
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Refinance Your Home
Lower your monthly payment, adjust your current loan term or tap into your home’s equity for renovations or other needs.
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Build a New Home
You select the floorplan. We finance the build.
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What you can expect:
  • An experienced mortgage loan officer who walks you through your options.
  • A seamless, automated system for collecting key information and documentation.
  • Access to your mortgage loan officer from application through closing and beyond — including face-to-face interaction, if you prefer.
  • Predictable, reasonable closing dates.
  • Competitive rates and closing costs.

Loan Options

Conventional financing vehicles delivered with unconventional levels of service.
Fixed Rate Mortgage

Predictable and steady monthly mortgage principal and interest payments for the length of the loan.

Adjustable-Rate Mortgage

Initially, interest rates and payments are lower. However, if rates rise, payments will also rise. Borrowers must then decide whether to refinance or stay with the market rate.

Refinancing

We offer competitive rates and terms for homeowners ready to refinance.

Jumbo Loan

Designed for customers purchasing or refinancing a luxury property with a higher price tag. Fixed rate and 7/1 adjustable loans available.

Construction or Lot Loan

Finance new home construction and/or purchase of the lot.

Bridge Loan

Provide short-term financing that helps homeowners transition between buying a new home and selling their current one.

USDA Rural Loans**

Financing for homes located in rural communities.

Purchase Rehab Loan

Otherwise known as a 'Renovation Loan' allows homeowners to combine the price of a "fixer-upper" and the cost of repairs into a single mortgage.

**Heritage Bank is not acting on behalf of, or at the direction of, the VA, FHA, USDA or the Federal Government.
Need Financing for Investment Real Estate You Are Not Occupying?

Heritage Bank works with many real estate investors on financing options. If you are or are ready to become an investor in multi-family homes or other residential real estate, reach out.

Contact a Commercial Loan Officer
Real Estate Investment

Additional Resources