Skip to main content

Home Loans

Great rates and excellent service from people you trust.


Local Home Financing by Your Trusted Credit Union

Whether you're buying or refinancing, HLEFCU is committed to making your mortgage lending experience as quick and easy as possible. We offer first-time home buyer and conventional mortgage loans. We pride ourselves on offering local servicing for all mortgages – often, other credit unions will sell mortgages off and the servicing moves along with it. That’s not the case with us. 

Our mortgage loans offer the following features:

  • Mortgage servicing is always handled in-house 
  • Low interest rates and flexible terms
  • Fast approvals to save you time
  • No pre-payment penalty
  • Streamlined experience, with expert local service
  • Loan is eligible for End of Watch Loan Protection coverage 
family moving into new house

Tap Into Your Equity

Tap into the equity you have in your home with a Home Equity Line of Credit. It’s ideal for the home improvement projects you’ve always wanted to do, college tuition, or even debt consolidation.

  • Funds available when you need it
  • Interest calculated only on balance owed
  • May be tax deductible (please contact your tax advisor for more details)
  • Draw period of up to 7 years
  • Repayment period of up to 15 years
  • Up to 80% loan to value ratio
  • Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
  • Loan is eligible for End of Watch Loan Protection coverage
family painting