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Consumer Lending

Mortgage and mortgage refinancing available.

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Here. For Planners & Dreamers.

Our region has always been home to careful planners and big dreamers. Whichever you are, reach out when you’re ready to launch or when the unexpected forces a change in plans.


Mortgages & Refinancing

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


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.* 

*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 Specialists 

David Vu

David Vu

NMLS # 706247
Phone Number: (859) 445-3591
Email David


Jack Fields

Jack Fields 

NMLS # 0470548
Phone Number: (859) 801-9121
Email Jack

Travis Moore

Travis Moore

NMLS #  2143250 Phone Number:  (859) 750-3064
Email Travis

Katie Stith

Katie Stith 

NMLS # 1061884
Phone Number:  (513) 404-1046
Email Katie


Charlie Vallandingham

NMLS # 461007
Phone Number: (859) 801-6968
Email Charlie 

Home Equity Line of Credit

Put the equity you’ve built up in your home to work.

  • Finance the home improvement projects that will add value to your home.
  • Pay for necessary repairs.
  • Consolidate or pay off higher-interest debt.
  • Splurge on a vacation or pay tuition.

Contact your Heritage Banker to learn more.

Auto Loans

Ask your Heritage Banker about financing options for cars, truck and SUVs. We can also help with boat and recreational vehicle loans.

Personal Loans

Unexpected car repair? Medical bills? We’ve all been there, neighbor. Ask your Heritage Banker about our personal loan options.

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