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Mortgages and Refinancing

Get Great Rates with Heritage Bank: Your Local Kentucky & Cincinnati Banker

GET STARTED Contact a Mortgage Loan Officer

Here. For Neighbors Ready to Become a Homeowner or Refinance.

With one Internet search, you can access a wealth of information on mortgages and refinancing. It’s empowering, but it doesn’t mean you’re on your own.

When you’re ready to weigh your options with a local, experienced mortgage specialist, call us. It’s comforting to make a big decision with someone who has been there and done that hundreds of times. Interest rates and closing costs are competitive.

Get started online today by clicking below. 


 Learn More About Our Community Reinvestment

 Special Mortgage Programs

Fixed Rate Mortgage

  • Offers predictable and steady monthly mortgage principal and interest payments for the length of the loan.

Adjustable Rate Mortgage

  • Offers flexibility and initial lower payments and interest rates followed by potential annual adjustments to the rate and monthly payment.

Jumbo Loan

  • Offers financing for those looking to purchase or refinance a home with a higher price tag.

FHA Loan**

  • Offers a low-down payment option for first time home buyers or others looking to finance a home.

VA Loan**

  • Offers a little-to-no down payment option with flexible loan terms for eligible U.S. military active duty or retired veterans and Public Health Service and National Oceanic and Atmospheric Administration commissioned officers.+

Construction or Lot Loan

  • Offers financing for new home construction and lot purchases.

Investment Real Estate Loan

  • Offers financing for non-owner real estate for investment purposes.

Multi Family Real Estate Loan

  • Offers financing for 1-to-4 family homes or apartment buildings.

USDA Rural Loans**

  • Offers financing for those living in rural communities.

Affordable H.O.M.E Program.

  • Designed for home buyers who need something other than conventional lending. Ask about our grants to qualified buyers.

7/1 Adjustable Rate Jumbo Mortgage

  • Offers financing for jumbo loans for luxury home buyers.* 


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*After the initial fixed term of the ARM period, it is possible that the borrower’s payment may increase substantially over the remaining term of the loan.
+ VA loans require a VA certificate of eligibility.
**Heritage Bank is not acting on behalf of, or at the direction of, the VA, FHA, USDA or the Federal Government.

Mortgage Loan Officers

 Get Started

David Vu

David Vu
VP, Head of Mortgage Lending

NMLS # 706247
 (859) 445-3591
Email David



David loves to cook and entertain, so an open concept kitchen is a must for any house his family calls home. He is a graduate of Northern Kentucky University and has honed his mortgage lending expertise over 15 years in the industry. To say David knows the lay of the land is an understatement. There are few neighborhood real estate scenes in Cincinnati and Northern Kentucky unfamiliar to David. But what sets him apart is his connection to his customers. He not only knows them by name, he knows their dogs’ names by closing.

First-time homebuyers, empty nesters and buyers in the market for their dream home all appreciate David’s thorough knowledge of the home financing process as well as his knack for infusing humor and excitement into what could otherwise be a nerve-wracking experience. David is also a champion for new products to better serve our local market. Over a few months, David helped develop mortgage products for specific unmet needs at opposite ends of the market – buyers whose credit disqualified them from conventional lending products and buyers who needed a jumbo loan in order to finance a luxury home. Providing customers options goes beyond presenting what’s currently possible.


Bankers - Jack Fields

Jack Fields
Mortgage Loan Officer

NMLS # 0470548
(859) 801-9121
Email Jack

Jack is a lifelong resident of Campbell County. When he accepted a part-time teller position, Jack had no intentions of making banking his career. But once he saw first-hand how bankers touch people’s lives, he knew he had found his calling. When he joined Heritage Bank, he knew he had come home.

After a stint in branch management, Jack decided to try a new area in banking. The more he learned about Heritage Bank’s plans to build a best-in-market mortgage lender, the more inspired he became to help realize the bank’s mortgage potential.

“As a community bank, we’re not confined to ‘one size fits all’ solutions. We offer a range of solutions right for many budgets and home ownership aspirations,” said Jack. “Also, because we’re local, we understand what’s happening in our communities and are able to pivot to ensure our process and mortgage products fit our region.”


 Bankers - Katie Stith

Katie Stith
Mortgage Loan Officer

NMLS # 1061884
(513) 404-1046
Email Katie

Katie considers herself blessed to be building a career helping her neighbors reach their financial goals and building up the community where she is raising her family. After learning everything she could as a part-time teller in college and working her way up at a couple of national banks, Katie realized she felt more at home at a community bank where customers are neighbors and employees are valued by senior management. First as a branch manager and now as a mortgage loan officer, Katie is proud to help customers realize their dreams.

“Banks should exist to fund our dreams and aspirations,” said Katie. “Working at Heritage Bank is a chance to make my community better, one person and one family at a time.”


Mortgage Operations Center 

8199 Dream Street
Florence, KY 41042


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