CASH REWARD
Receive a cash reward when you use a My CU Home Connection Agent.
LENDER CREDIT
Receive a lender credit to reduce your closing costs.
NON-TITLE FEES WAIVER**
Receive a reduction in fees at your closing.
Let My CU Home Connection put you in the best home 
Key services include realty, mortgage and title. Real estate clients can receive cash rewards, benefits and discounts from all service providers. To qualify for the program you must register for the My CU Home Connection program. Upon registration, a My CU Home Connection Concierge will contact you personally and advise you of the next steps. One of our exclusive and highly trained real estate agents will be selected to match your needs, synchronize the bundled services, and manage the transaction from start to finish.
BETTER TOGETHER
HOW IT WORKS
BUYERS
| MY CU Home Connection Program | |
|---|---|
| $1,750 | Receive 20% reward from commission paid to My CU Home Connection Agent. |
| AMERICAN HERITAGE MORTGAGE | |
|---|---|
| $500 | Receive $500 lender credit |
| MEMBER SETTLEMENT SOLUTIONS TITLE** | |
|---|---|
| $192 | Receive $192 non-title fees waived; EDoc, Notary, Courier and Wire fees. |
SELLERS
For illustration purposes, if you were to sell a home at $350,000, your benefits may look like this:
| $21,000 | 6% Typical Seller’s Side Commission Rate |
| $15,750 | 4.5% My CU Home Connection Authorized Real Estate Agent Discount Rate |
START WITH A FREE PRE-APPROVAL*
Benefits of our Home Buyer Program
- FREE Pre-Approvals*: The path to your new home starts with a fast, apply for a FREE Pre-Approval* on your mortgage from American Heritage Credit Union. Understanding how much home you can afford before you start shopping will provide you with the very best shopping experience.
- Experienced Agents: Our sales team is made up of professionals who have been carefully selected because of their unique qualifications, expertise, and commitment to service excellence.
- Local Loan Decisions & Quicker Closings: We know the members and communities we serve. This allows us to make faster, better-informed decisions about your loan and individual needs. You'll love our personal service!
- A Track Record of Success: American Heritage Credit Union has been meeting the financial needs of its members since 1948 and the American Heritage Realty network has been helping home buyers since 1964. We have been working together since 2014.
Make Home Financing and Buying Easy from Start to Finish
- Get started Today with a FREE Pre-Approval*: A fast, FREE mortgage Pre-Approval* from American Heritage Credit Union will help you determine how much money you can borrow for the purchase of your new home. Having a Pre-Approval letter will give you a competitive edge over other prospective buyers. Call (215) 969-0777 to get started today.
- Consult an First Heritage Realty Alliance Real Estate Professional: Your real estate professional will guide you through the home buying and selling process. they will explain your options, and provide you with information about current market conditions.
- Find the Right Home: A My CU Home Connection agent will help you assess your needs, lifestyle, and put together a wish list for your new home. Your "must-haves" will help them set up a property tracker to alert you of new listings meeting your specifications.
- Prepare and Submit Your Offer: Making an offer is more than just picking a price. Your American Heritage Realty agent will help you review and analyze comparable properties that have been recently sold in the neighborhood. This allows them to develop a strategy when preparing an offer, including price and other terms.
- Negotiate Your Offer: Once the offer has been submitted, an First Heritage Realty Alliance agent will work with you on negotiations. They will guide you through the process of getting a home inspection and negotiating repairs and improvements. Based on your review of the home inspection and other reports, you will be provided with the guidance needed to assure peace of mind. If desired, they can also add a home warranty to protect against unexpected repairs.
- Process and Finalize the Loan: Now that an agreement on a property has been reached and you've received the sellers' approval, it's time to obtain the lender's final approval. Having the final approval means all of the conditions on the loan have been satisfied.
- Insure Your Home: American Heritage Credit Union offers home insurance services. It includes Liberty Mutual through our TruStage® Program to provide affordable, top-quality insurance protection for your home. Ask us or visit our home insurance page for a free quote.
- CONGRATULATIONS! Close on Your New Home: Just before your closing, First Heritage Realty Alliance agent will inspect the property with you one last time to ensure your home is in the condition you expect. They will also coordinate, schedule, and attend your closing with you.
To get started, apply for a mortgage pre-approval or call 800.808.2662.
Five Reasons Why American Heritage Credit Union Members Should Register For My CU Home Connection:
- MEMBER ADVANTAGE
- American Heritage Credit Union owns Realty, Mortgage and Title Services**.
- PREMIER SERVICE
- Members are shareholders in the credit union. You are treated like the owner you are.
- SAVINGS
- Members can receive cash rewards, benefits and discounts from each service provider.
- CONVENIENCE
- Our team of professionals are ready to assist with all your real estate needs.
- CREDIT UNION OVERSIGHT
- If any unforeseen issues should arise, they can be resolved quickly.
Learn more about our Home Buyer Program or call (855) 525-7900 for additional information.
First-Time Homebuyer Programs
*My CU Home Connection™ is available to you through a participating credit union membership. Cash Rewards are available to members who register to use My CU Home Connection™ and who use a qualified real estate agent in the My CU Home Connection™ network to buy or sell their home. It is not a requirement to use any or all of the service provider partners in order to earn the realty cash rewards. Cash rewards amounts are dependent on the commissions paid to the agent. The credit union may have specific rules on how cash rewards will be paid. Cash rewards are void where prohibited by law or the lender. Please consult with your credit union for details that may affect you. Account with a minimum balance of $15 to be eligible.
**Title benefit available for homes purchased in Pennsylvania and New Jersey.