{"id":87,"date":"2025-04-08T15:10:26","date_gmt":"2025-04-08T15:10:26","guid":{"rendered":"http:\/\/hercules2025.wpengine.com\/?page_id=87"},"modified":"2026-08-11T14:59:07","modified_gmt":"2026-08-11T14:59:07","slug":"1st-mortgages-first-time-home-buyer-loans","status":"publish","type":"page","link":"https:\/\/herculescu.com\/es\/loans\/home-loans\/1st-mortgages-first-time-home-buyer-loans\/","title":{"rendered":"Primeras hipotecas y pr\u00e9stamos para compradores de vivienda por primera vez"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"87\" class=\"elementor elementor-87\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3a5806 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3a5806\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a99787c\" data-id=\"a99787c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47d8991 elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"47d8991\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"1stmortgages\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Home<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>your first home is a big step<\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>1st Mortgages &amp; First-Time Home Buyer Loans <\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>At Hercules First Federal Credit Union, we understand that buying your first home is a big step, and we\u2019re here to make the process smooth, stress-free, and affordable. Whether you're purchasing your first home or entering the market after renting, we offer tailored solutions to fit your needs and financial goals. Our knowledgeable mortgage specialists are ready to guide you through every step, ensuring you feel confident and informed along the way.<\/p><h3>Key Features<\/h3>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Up to 97% Loan-to-Value Financing<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Get into your home with as little as 3% down!<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Flexible Terms<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Choose from fixed- or variable-rate options that best suit your financial plan.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Down Payment Assistance<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>We offer programs that help make your down payment more manageable for qualifying borrowers.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>No Repayment Penalties<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Pay off your loan on your schedule without the worry of extra charges.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Seller Contributions<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>In some cases, sellers can help with closing costs to reduce your upfront expenses.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Personalized Guidance<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Our mortgage specialists are here to help you every step of the way, from pre-approval to closing and beyond.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a48cae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a48cae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a048a9e\" data-id=\"a048a9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78168e0 graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"78168e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Options<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Our Mortgage Options <\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>What We Offer<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-6 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>1st Mortgages<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Secure a loan for your first home purchase with our competitive<br \/>rates and personalized options.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"homebot_homeowner\"><\/div> <script> (function (h,b) { var w = window, d = document, s = 'script', x, y; w['__hb_namespace'] = h; w[h] = w[h] || function () { (w[h].q=w[h].q||[]).push(arguments) }; y = d.createElement(s); x = d.getElementsByTagName(s)[0]; y.async = 1; y.src = b; x.parentNode.insertBefore(y,x) })('Homebot','https:\/\/embed.homebotapp.com\/lgw\/v1\/widget.js'); Homebot('#homebot_homeowner', '19f2cab4a4490a302137b2dd3f6bc57edf7089aea53f0eb3') <\/script>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-6 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>First-Time Home Buyer Loans<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Special loan products designed to help you get into homeownership for the first time, with lower down payments and flexibility in terms.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t              \t\t\t\t\t\t\t\t<div class=\"post-grid-container text-center\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<h3>Apply Now<\/h3>\n\t\t\t\t\t\t\t\t\t\t<p>Let us help you take the next step toward owning your first home. Reach out to our team today to learn more about our First-Time Home Buyer Loans or to schedule an appointment with one of our expert mortgage specialists.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a href=\"https:\/\/herculesfcu.epicxpress.com\/\" target=\"_blank\" class=\"btn\">Hercules First Federal Credit Union Online Application Portal <i class=\"lmg-far lmg-fa-paper-plane\"><\/i><\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"numbers-grid-title lg-mt-40\">Have Questions or Close a Mortgage<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Book an Appointment to Speak to a Mortgage Specialist:<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a target=\"_blank\" href=\"https:\/\/bookings.cloud.microsoft\/book\/HerculesMortgage@herculescu.com\/?ismsaljsauthenabled=true\" class=\"btn btn-sm btn-outline\">Speak with a Mortgage Specialist!<\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t            <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f28f6dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f28f6dd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df1dd8c\" data-id=\"df1dd8c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-955d18b elementor-align-left elementor-widget elementor-widget-bdevs-about\" data-id=\"955d18b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-about.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- about-us-area-start -->\n        <div class=\"about-style-1 about-us-area pb\">\n            <div class=\"container\">\n                <div class=\"row align-items-center\">\n                    <div class=\"col-xl-6 col-lg-6 \">\n                        <div class=\"about-us-img about-us-style-1-img mb-30\">\n                            <img decoding=\"async\" src=\"http:\/\/hercules2025.wpengine.com\/wp-content\/uploads\/2025\/06\/Conventional-mortgages-scaled-e1750885161631.jpg\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col-xl-6 col-lg-6 \">\n                        <div class=\"about-us-wrapper mb-30\">\n                            <div class=\"section-title pos-rel\">\n                            \t                                <h1>Conventional<\/h1>\n                            \t                            \t                                <span class=\"line\">Secure The Financing You Need<\/span>\n                                                                                                <h2>Conventional Mortgages <\/h2>\n                                                            <\/div>\n                            <div class=\"about-us-text pos-rel\">\n                            \t                                <p>At Hercules First Federal Credit Union, we offer <strong>Conventional Mortgages<\/strong> designed to help you secure the financing you need to buy or refinance your home. Whether you're purchasing your first home, upgrading to a new one, or investing in a second property, we provide competitive rates and personalized service to ensure you get the right mortgage to fit your financial goals.<\/p>                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-buttons-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\t\t\t\t\t\t\t\t            <\/div>\n        <\/div>\n        <!-- about-us-area-end -->\n        \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db2da9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db2da9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-052bec9\" data-id=\"052bec9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fa3091 graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"1fa3091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Benefits<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Background &amp; Benefits <\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>What is a Conventional Mortgage?<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A <strong>Conventional Mortgage<\/strong> is a home loan that is not insured or guaranteed by the government. These loans typically offer more flexibility and may come with lower interest rates for borrowers with good credit. Whether you're looking for a fixed-rate mortgage or a variable-rate option, a conventional mortgage can be tailored to suit your homebuying needs.<\/p><h3>Key Benefits of a Conventional Mortgage<\/h3>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Up to 97% Loan-to-Value Financing<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Borrow up to 97% of your home\u2019s value, allowing for a smaller down payment.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Flexible Terms<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Choose between fixed-rate or adjustable-rate options, with terms that best suit your budget and financial goals.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Low Mortgage Insurance<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>If your down payment is less than 20%, mortgage insurance is typically required. However, we offer low-cost options that keep your payments affordable.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Available for a Variety of Properties<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Financing is available for primary residences, second homes, and investment properties (up to a four-plex).<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Gift Funds and Seller Contributions<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Family members can contribute to your down payment, and sellers can contribute up to 3% towards closing costs, which may also be used to buy down the interest rate.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b64b2b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b64b2b2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c00f0cd\" data-id=\"c00f0cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a7205c elementor-align-left elementor-widget elementor-widget-bdevs-about\" data-id=\"4a7205c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-about.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- about-us-area-start -->\n        <div class=\"about-style-1 about-us-area pb\">\n            <div class=\"container\">\n                <div class=\"row \">\n                    <div class=\"col-xl-6 col-lg-6 order-lg-2\">\n                        <div class=\"about-us-img about-us-style-1-img mb-30\">\n                            <img decoding=\"async\" src=\"http:\/\/hercules2025.wpengine.com\/wp-content\/uploads\/2025\/04\/Untitled-design-5.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col-xl-6 col-lg-6 order-lg-1\">\n                        <div class=\"about-us-wrapper mb-30\">\n                            <div class=\"section-title pos-rel\">\n                            \t                                <h1>Choose <\/h1>\n                            \t                            \t                                <span class=\"line\">Why us?<\/span>\n                                                                                                <h2>Why Choose a Conventional Mortgage with Hercules First Federal Credit Union?<\/h2>\n                                                            <\/div>\n                            <div class=\"about-us-text pos-rel\">\n                            \t                                <ul><li><strong>Personalized Assistance<\/strong>: Our mortgage specialists work closely with you to understand your unique needs and guide you through every step of the home loan process.<\/li><li><strong>No Hidden Fees<\/strong>: We believe in transparent, straightforward pricing with no hidden fees.<\/li><li><strong>A Strong, Local Partner<\/strong>: As a member-focused credit union, we are committed to providing you with the best possible experience, with a focus on your long-term financial success.<\/li><\/ul><p>Whether you're a first-time buyer or looking to refinance, Hercules First Federal Credit Union offers flexible and affordable conventional mortgage options. Contact our team today to learn more about how we can help you secure your dream home with the right mortgage for your financial future.<\/p><h3>Have Questions or Close a Mortgage -<br \/>Book an Appointment to Speak<br \/>to a Mortgage Specialist:<\/h3><p><a class=\"btn blue-btn btn-sm\" href=\"https:\/\/bookings.cloud.microsoft\/book\/HerculesMortgage@herculescu.com\/?ismsaljsauthenabled=true\" target=\"_blank\" rel=\"noopener\">Speak With a Mortgage Specialist! <i class=\"lmg-fal lmg-fa-paper-plane\"><\/i><\/a><\/p>                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-buttons-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"btn  btn-sm btn-outline\" target=\"_blank\"  href=\"https:\/\/herculesfcu.epicxpress.com\/\">Hercules First Federal Credit Union Online Application Portal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-far lmg-fa-circle-chevron-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                                                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\t\t\t\t\t\t\t\t            <\/div>\n        <\/div>\n        <!-- about-us-area-end -->\n        \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3eac90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3eac90\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69e6c1b\" data-id=\"69e6c1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b07a07e graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"b07a07e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>FHA<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>A More Accessible Path<\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>FHA Home Loans <\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>At Hercules First Federal Credit Union, we understand that buying a home is a significant milestone, and we're here to make it more accessible. Our FHA Home Loans are perfect for first-time buyers or anyone looking for a more affordable route to homeownership. These loans are backed by the Federal Housing Administration (FHA), allowing us to offer you lower down payments and flexible terms, even if you have less-than-perfect credit.<\/p><p>\u00a0<\/p><h3>Key Features of FHA Home Loans<\/h3>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Low Down Payment<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>With an FHA loan, you can put down as little as 3.5%, making it easier to purchase a home with less upfront cost.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Competitive Interest Rates<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>FHA loans typically come with lower interest rates compared to conventional loans, helping you save money over the life of the loan.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Easier Credit Requirements<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>If your credit score isn\u2019t perfect, don\u2019t worry. FHA loans offer more lenient credit requirements, so you have a better chance of qualifying.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Fixed and Adjustable Rate Options<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Choose from fixed-rate or adjustable-rate mortgage options, allowing you to tailor your loan to your financial needs.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Lower Closing Costs<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>FHA loans often offer lower closing costs, helping make the homebuying process more affordable.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Non-Traditional Credit<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>If you have limited or non-traditional credit, such as a history of timely rent or utility payments, these may be considered when applying for an FHA loan.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f381a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f381a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a5a014\" data-id=\"4a5a014\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54c8509 elementor-align-left elementor-widget elementor-widget-bdevs-about\" data-id=\"54c8509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-about.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- about-us-area-start -->\n        <div class=\"about-style-1 about-us-area pb\">\n            <div class=\"container\">\n                <div class=\"row \">\n                    <div class=\"col-xl-6 col-lg-6 \">\n                        <div class=\"about-us-img about-us-style-1-img mb-30\">\n                            <img decoding=\"async\" src=\"http:\/\/hercules2025.wpengine.com\/wp-content\/uploads\/2025\/06\/why-choose-FHA-home-loan-scaled-e1750885380269.jpg\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col-xl-6 col-lg-6 \">\n                        <div class=\"about-us-wrapper mb-30\">\n                            <div class=\"section-title pos-rel\">\n                            \t                                <h1>Choose<\/h1>\n                            \t                            \t                                <span class=\"line\">Why us? <\/span>\n                                                                                                <h2>Why Choose Hercules First Federal Credit Union for Your FHA Home Loan?<\/h2>\n                                                            <\/div>\n                            <div class=\"about-us-text pos-rel\">\n                            \t                                <ul><li><strong>Personalized Service:<\/strong> Our expert mortgage team is dedicated to guiding you through the FHA loan process, ensuring you understand every step and feel confident in your decision.<\/li><li><strong>Flexible Financing:<\/strong> With lower down payments and more relaxed credit requirements, FHA loans make homeownership possible for more people.<\/li><li><strong>Local Expertise:<\/strong> As a member-focused credit union, we take the time to understand your needs and provide tailored solutions that work for you.<\/li><li><strong>Fast &amp; Easy Application Process:<\/strong> Applying for an FHA loan at Hercules First Federal Credit Union is simple and straightforward, with the support of our friendly loan officers to assist you every step of the way.<\/li><\/ul><p>An FHA Home Loan could be your key to owning a home with lower down payments, competitive rates, and the flexibility to meet your financial situation. Let Hercules First Federal Credit Union help you open the door to your dream home today. Contact us to learn more about how we can support your homebuying journey!<\/p><h3>Have Questions or Close a Mortgage - Book an Appointment to Speak to a Mortgage Specialist:<\/h3><div class=\"about-button\"><a class=\"btn btn-sm btn-outline\" href=\"https:\/\/bookings.cloud.microsoft\/book\/HerculesMortgage@herculescu.com\/?ismsaljsauthenabled=true\" target=\"_blank\" rel=\"noopener\">Speak with a Mortgage Specialist! <i class=\"lmg-far lmg-fa-paper-plane\"><\/i><br \/><\/a><\/div>                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-buttons-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"post-grid-container text-center\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<h3>Inquire Now<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a href=\"https:\/\/herculesfcu.epicxpress.com\/\" class=\"btn\" target=\"_blank\">Hercules First Federal Credit Union Online Application Portal <i class=\"lmg-far lmg-fa-paper-plane\"><\/i><\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t            <\/div>\n        <\/div>\n        <!-- about-us-area-end -->\n        \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5741e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d5741e7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7b4d16\" data-id=\"e7b4d16\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64f1e80 graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"64f1e80\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"refinances\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- ev-area-start -->\n      <div class=\"ev-container\">\n        <div class=\"container\">\n          <div class=\"row align-items-center\">\n            <div class=\"col-lg-6 order-1\">\n              <div class=\"ev-wrapper mb-30\">\n                <div class=\"section-title pos-rel mb-35\">\n                                      <h1>Refinance<\/h1>\n                                                        <span class=\"line\">A Smart Way to Lower Your Payments<\/span>\n                                                        <h2>Mortgage Refinances <\/h2>\n                                  <\/div>\n                <div class=\"about-us-text pos-rel\">\n                                      <p>Refinancing your mortgage with Hercules First Federal Credit Union can be a smart way to lower your monthly payments, reduce your interest rate, or change the terms of your loan to fit your financial goals. Whether you're looking to save money, consolidate debt, or pay off your mortgage faster, refinancing can offer the flexibility you need.<\/p>                                                            <ul class=\"ev-list\">\n                                                  <li data-ev-tab=\"tab-1\">Lower Your Monthly Payments \n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-fal lmg-fa-long-arrow-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n                                                  <li data-ev-tab=\"tab-2\">Consolidate Debt \n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-fal lmg-fa-long-arrow-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n                                                  <li data-ev-tab=\"tab-3\">Shorten Your Loan Term \n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-fal lmg-fa-long-arrow-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n                                                  <li data-ev-tab=\"tab-4\">Cash-Out Refinance \n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-fal lmg-fa-long-arrow-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n                                              <\/ul>\n                    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-buttons-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n            <div class=\"col-lg-6 order-2\">\n              <div class=\"ev-content-container\">\n                <div class=\"inner-ev-content\" style=\"background-image: url(http:\/\/hercules2025.wpengine.com\/wp-content\/uploads\/2025\/06\/mortgage-refinancing-scaled-e1750885277749.jpg);\">\n                                                          <div class=\"ev-content\" data-ev-tab-src=\"tab-1\">\n                      <div>\n                        <h4>Lower Your Monthly Payments<\/h4>\n                        <div class=\"content\">\n                          <p>Take advantage of current mortgage rates to reduce your monthly payment, freeing up cash for other financial goals.<\/p>                                                  <\/div>\n                      <\/div>\n                    <\/div>\n                                        <div class=\"ev-content\" data-ev-tab-src=\"tab-2\">\n                      <div>\n                        <h4>Consolidate Debt<\/h4>\n                        <div class=\"content\">\n                          <p>Use the equity in your home to consolidate higher-interest debt, like credit cards, into a single, more manageable payment with a lower rate.<\/p>                                                  <\/div>\n                      <\/div>\n                    <\/div>\n                                        <div class=\"ev-content\" data-ev-tab-src=\"tab-3\">\n                      <div>\n                        <h4>Shorten Your Loan Term<\/h4>\n                        <div class=\"content\">\n                          <p>Refinancing to a shorter-term loan can help you pay off your mortgage faster, saving you money on interest over the life of the loan.<\/p>                                                  <\/div>\n                      <\/div>\n                    <\/div>\n                                        <div class=\"ev-content\" data-ev-tab-src=\"tab-4\">\n                      <div>\n                        <h4>Cash-Out Refinance<\/h4>\n                        <div class=\"content\">\n                          <p>Access the equity in your home and get cash for large expenses like home improvements, education, or other investments.<\/p>                                                  <\/div>\n                      <\/div>\n                    <\/div>\n                                                      <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <!-- ev area end  -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c39fed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c39fed\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b84e988\" data-id=\"b84e988\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81311d7 nopad-bottom elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"81311d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Benefits<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Competitive &amp; Flexible <\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>Key Benefits of Refinancing<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Competitive Rates<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Benefit from our low, competitive interest rates, which can make a big difference in your monthly payment and long-term savings.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Flexible Loan Terms<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Choose from a variety of loan terms, from 10 to 30 years, to fit your needs.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>No Hidden Fees<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>We believe in transparent lending, so you\u2019ll know exactly what to expect without hidden costs or surprises.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t              \t\t\t\t\t\t\t\t<div class=\"post-grid-container text-center\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<h3>Apply Now<\/h3>\n\t\t\t\t\t\t\t\t\t\t<p>Refinancing your mortgage can be a smart financial move\u2014especially with the help of Hercules First Federal Credit Union\u2019s experienced mortgage specialists. Our team will work with you to understand your goals and find the refinancing option that best suits your needs.<\/p><p>Ready to explore your refinancing options? Contact our mortgage specialists today to get started and see how we can help you save!<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a href=\"https:\/\/herculesfcu.epicxpress.com\/\" target=\"_blank\" class=\"btn\">Hercules First Federal Credit Union Online Application Portal <i class=\"lmg-far lmg-fa-paper-plane\"><\/i><\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"numbers-grid-title lg-mt-40\">Have Questions or Close a Mortgage<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Book an Appointment to Speak to a Mortgage Specialist<\/span><\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a target=\"_blank\" href=\"https:\/\/bookings.cloud.microsoft\/book\/HerculesMortgage@herculescu.com\/?ismsaljsauthenabled=true\" class=\"btn btn-sm btn-outline\">Speak with a Mortgage Specialist!<\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t            <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f5d6071 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f5d6071\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-392089b\" data-id=\"392089b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00e0b85 embed-widgets-container elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"00e0b85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                                                      <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"homebot_homeowner2\"><\/div> <script> (function (h,b) { var w = window, d = document, s = 'script', x, y; w['__hb_namespace'] = h; w[h] = w[h] || function () { (w[h].q=w[h].q||[]).push(arguments) }; y = d.createElement(s); x = d.getElementsByTagName(s)[0]; y.async = 1; y.src = b; x.parentNode.insertBefore(y,x) })('Homebot','https:\/\/embed.homebotapp.com\/lgw\/v1\/widget.js'); Homebot('#homebot_homeowner2', '19f2cab4a4490a302137b2dd3f6bc57edf7089aea53f0eb3',{'mode':'buyers-mode'}) <\/script>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-baef41d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baef41d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e593528 mortgage-one-table\" data-id=\"e593528\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdedba1 graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"bdedba1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mortgage1strates\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Rates<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>View Our Rates <\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>1st Mortgage Rates<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMortgage rates can fluctuate significantly from one day to the next. Hercules works very hard to secure the lowest rate for the mortgage product that best fits your needs. Please contact us at <a href=\"tel:801-968-9011\">801-968-9011<\/a> and speak with one of our mortgage loan officers to find out how we can best serve you.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"lmg-style-2-grid\">\n\t\t\t\t\t\t\t\t<div id=\"1stMortgageRates\" class=\"lmg-rates-table\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\t\t\t(function($){\n\t\t\t\t\t\t\t\t\t\t$(function(){\n\t\t\t\t\t\t\t\t\t\t\t$('#1stMortgageRates').dynamicSheetTable({\n\t\t\t\t\t\t\t\t\t\t\t\tapiKey: 'AIzaSyBiCQ6OYWr7rLrIlHae8jRcpb_mqsnhRDE',\n\t\t\t\t\t\t\t\t\t\t\t\tsheetId: '1LjjOA9OaQNIBuST3W3i3QMhglMcuf5SXwQuMqYoJaj8',\n\t\t\t\t\t\t\t\t\t\t\t\trange: 'Sheet1!E4:G7' \/\/ Update based on your table\n\t\t\t\t\t\t\t\t\t\t\t});\n\t\t\t\t\t\t\t\t\t\t})\n\t\t\t\t\t\t\t\t\t})(jQuery);\n\t\t\t\t\t\t\t\t<\/script>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home your first home is a big step 1st Mortgages &amp; First-Time Home Buyer Loans At Hercules First Federal Credit Union, we understand that buying your first home is a big step, and we\u2019re here to make the process smooth, stress-free, and affordable. 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