Mortgages & Refinancing | Heritage Bank

Internet Explorer 11 is outdated. For improved security and optimized performance we highly recommend upgrading your browser. ChromeFirefoxEdge

Mortgages and Refinancing

Get Started. 

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. 

Get Started Today 

LEARN MORE ABOUT OUR COMMUNITY REINVESTMENT

 Check out Our Blog

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.* 

GET STARTED

Save The Paper- Sign Up For eStatements Today

Available for deposit accounts and loan statements. 

Register Today  

*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.”

 

 Travis Moore

Travis Moore
Mortgage Loan Officer

NMLS # 2143250
(859) 750-3064
Email Travis

Travis is a loyal fan. Whether it’s his U.K. Wildcats, his kids’ athletic teams and or his community, Travis is an enthusiastic cheerleader. His customers appreciate his positivity as well as his coaching when securing their homes.

Travis is a very experienced mortgage loan officer with deep knowledge of the region. Whether you are building a new home or buying a fixer upper, Travis knows the right financing to explore and offers an insider’s perspective on the neighborhood. Once you’re settled in, depend on Travis to tell you all the entertainment and recreational highlights of your new community. He believes our region is a great place to build a life and takes satisfaction in helping customers secure the property they will turn into a home.

 

 

 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.”

 Charlie Vallandingham

Charlie Vallandingham
Mortgage Loan Officer

NMLS # 461007
(859) 801-6968
Email Charlie

 

Charlie is a native of Boone County, familiar with Greater Cincinnati favorites like the Reds, Graeters and the region’s unique chili preferences as well as the varied neighborhoods that accommodate a wide range of lifestyles and life stages. After completing bachelor's and master's degrees from Thomas Moore University, he found his niche in mortgage lending.

Today, he offers more than 10 years of experience to home buyers. Charlie enjoys stewarding customers through every step of what is likely to be one of the largest financial decisions of their lives. He finds it satisfying to help someone purchase their first home or finally move into the home they’ve worked many years to afford.

Hanging out with buyers, realtors and builders has exposed Charlie to more home design possibilities than a long weekend of binging HGTV. His dream house would feature a large pool, plenty of inside and outside entertainment space, a chef’s kitchen and a huge garage.

 

Mortgage Operations Center 

8199 Dream Street
Florence, KY 41042

 

Visit Us Call Us Email Us Check Rates

Next Section

Back to Top