Process
Navigate the home buying journeyHome Buying Process
Navigating the home buying journey can seem daunting, but our specialists are here to guide you. Here’s a quick reference to get started:
01.
Check your credit report and score.
02.
Determine the home price you can afford.
03.
Get pre-approved by a lender.
04.
Shop for a home and make an offer.
05.
Schedule a home inspection.
06.
Close on your home.
Book an Appointment & Speak to a Mortgage Specialist:
1st Mortgages & First-Time Home Buyer Loans
1st Mortgages & First-Time Home Buyer Loans
Whether you’re buying your first home, a vacation getaway, or an investment property, we’re here to help you find the perfect mortgage. Our flexible options, competitive rates, and personalized approach make achieving your homeownership goals easier than ever. Explore the key features designed to fit your unique financial need
2nd Mortgages
2nd Mortgages
Tap into the equity you’ve built in your home without altering your current first mortgage rate. A Second Mortgage provides a smart, cost-effective way to access funds for home improvements, debt consolidation, or other financial needs—offering fixed rates and flexibility to help you achieve your goals.
Home Equity Line of Credit (HELOC)
Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit (HELOC) from Hercules Credit Union is a flexible and affordable way to tap into your home’s equity. Whether you’re funding home renovations, consolidating debt, or covering other significant expenses, HELOC offers you the freedom to borrow what you need when you need it—without the hassle of applying for a new loan every time.
Mortgage Refinances
Mortgage Refinances
Refinancing your mortgage is a smart way to achieve your financial goals. Whether you want to lower your monthly payments, shorten your loan term, or tap into your home’s equity, we offer tailored refinancing solutions to meet your needs.
Reverse Mortgages
Reverse Mortgages
Unlock the value of your home with a Reverse Mortgage. Designed for homeowners aged 62 or older, this option allows you to turn your home equity into cash without monthly mortgage payments, giving you financial flexibility in retirement.
Conventional Mortgages
Conventional Mortgages
Ready to buy or refinance your home? At Hercules First Federal Credit Union, we offer Conventional Mortgages with competitive rates and flexible terms to help you secure the financing you need. Whether you're purchasing your first home, upgrading, or investing in a second property, we’ve got you covered with personalized service every step of the way.
FHA Home Loans
FHA Home Loans
Ready to become a homeowner? Hercules First Federal Credit Union offers FHA Home Loans designed to make homeownership more affordable. Perfect for first-time buyers or those with less-than-perfect credit, these loans provide low down payments, competitive rates, and flexible terms. Let us guide you toward your dream home with personalized service every step of the way.
Check Out Our Current Rates
Check Out Our Current Rates
Looking for the best rates on auto loans, mortgages, credit cards, or savings accounts? At Hercules First Federal Credit Union, we offer competitive rates to help you save more and borrow smarter. Explore our latest rates and find the right option for you.