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

Tap Into Your Equity (HELOCs)
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.
- Borrow up to 80% of the value, less the 1st Mortgage Balance
- Draw period of 7 years
- Repayment period of 15 years
- Maximum credit line up to $300,000
- Owner Occupied properties
- New Home Equity Line of Credit (HELOC) loan
- Funds available when you need it
- Interest calculated only on balance owed
- May be tax deductible (please contact your tax advisor for more details)
- Easy repayment methods (payroll deduction, automated phone banking, and coupon payment book)
- Loan is eligible for End of Watch Loan Protection coverage
