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Buying a Home

Whether you’re a new homebuyer or looking to refinance your home, call American Heritage. As a credit union, we can offer rates and services you won’t find at conventional banks. American Heritage is a full-service mortgage provider, offering a comprehensive range of home financing and buying solutions.

Are you a trying to buy your first home? We know getting your first home is one of the biggest steps you will take in your life. That's why we're here to help with our First-Time Homebuyer Program! First-time homebuyers can receive up to a $500 closing cost credit through American Heritage. Click here to learn more.

You can easily apply for your loan online, or contact us at 215.969.0777 to learn more or apply and get pre-approved. After 5:00 pm on weekdays, and on weekends from 10:00 AM to 4:00 PM, you can contact our Mortgage Concierge group at 800.808.2662. Want to video conference a live expert from the comfortable your home? Use our Video Advisor service to connect with a rep from your computer or smart device. to Our mortgage experts are ready to answer your questions, provide a free pre-approval* for any home loan type, or help you apply!

Apply Today!

Mortgage Loans

  • Fixed-Rate Mortgages with 10 to 30 Year term options
  • Adjustable Rate Mortgages with a variable of term options

Reverse Mortgages

  • If you are 62 or older, this is a great way to unlock the value in your best nest egg, your home
  • Let the equity in your home supplement retirement income


  • Special government programs for Veterans with up to 100% with no down payment options for new homeowners and more flexible qualification guidelines than those for conventional loans

Adjustable Rate Programs (ARM)

  • Consider if you might refinance or pay off your home within ten years
  • With an ARM, you can extend purchasing power with a lower rate and lower initial payment

Medical Worker Mortgage

  • These unique home loans are designed for healthcare workers including physicians, nurses, and doctors to make buying or refinancing your home easy and affordable!


Refinance your home and pay NO closing costs!

Refinancing a Home

Looking to make some room in your monthly payment by refinancing your current mortgage? For a limited time, you can refinance your mortgage through American Heritage and pay No Closing Costs! Our No Closing Cost offer includes fixed rates as low as 2.875% APR for a 10-year fixed mortgage and 3.625% APR for a 30-year fixed mortgage. These rates and the No Closing Cost offer are valid for applications received by December 31, 2021, so apply now!

Apply Today!




Calculate Your Monthly Payment*

*These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances.



Find Your Dream Home with American Realty

Local Real Estate Experts Are Ready to Help

A real estate firm owned and operated by the team you trust at American Heritage. Take advantage of the expert advice, mortgage options and market analytic tools that will help you walk into your new home. Want to start looking for a home? Visit the American Heritage Realty website.

Sell your home! Our top rated listing agents will sell your home quickly and professionally for a special 4.5% broker fee***. American Heritage Credit Union members can also receive a $250 Gift Card to The Home Depot® when they purchase their home through an American Heritage Realty agent.✝✝

Learn More


Convenient Mortgage & Real Estate Services

Home Buyer Program

Connecting you with the mortgage that best fits your budget and lifestyle. As a full-service mortgage provider, we offer a wide variety of home financing products and services.

Mortgage Pre-Approval

Get ahead for FREE!* Get the competitive edge you need in the home-buying market.

American Heritage Realty

Full-service Real Estate Firm. Work with our experts every step of the way. As a member, you can use our full-service realty and mortgage team to purchase and finance the home of your dreams!

Mortgage Rates

Term Interest Rate APR**
30 Year 3.125% 3.153%
30 Year Jumbo 3.625% 3.716%
15 Year 2.750% 2.800%
15 Year Jumbo 3.250% 3.413%
10 Year 2.375% 2.447%
3/1 Year ARM 2.875% 2.202%
3/3 Year ARM 3.125% 3.047%
5/1 Year ARM 3.125% 2.399%
5/5 year ARM 3.375% 3.047%
30 Year FHA 2.875% 3.931%
15 Year FHA 3.000% 4.228%

Refinance Rates

Term No Cost Interest Rate†
30-Year Conventional 3.625%†
20-Year Conventional 3.375%†
15-Year Conventional 3.125%†
10-Year Conventional 2.875%†


Home Equity Line of Credit (HELOC) vs. Refinancing: What's Best for Me?

By: Holly Benedetto
For the seasoned homeowner, researching how to fund your next big project or life event can bring up a variety of complicated terms. Many of these terms are presented together, but they often work very differently from one another. In this article, we compare a Home Equity Line of Credit (HELOC) to refinancing your existing mortgage. To learn how each option works and when you would want to choose one over another, continue reading.

First Time Buying a Home? Avoid These 7 Mistakes

By: American Heritage
Buying a house is a great investment in your future. But the process can be a bit confusing when you’re first starting out. If you’re not careful, or let your emotions get the better of you, it’s possible to make mistakes that can derail the homebuying process or lead you to a home that isn’t the best fit for you (or your finances). Be sure to avoid these common homebuying mistakes from the beginning.

Mortgage Pre-Approval: What You Should Know

By: American Heritage
If you’re in the market for a new home, there are a few key steps you’ll need to take early on. You’ll need to consider the type of home and neighborhood you want to move to, and find a great real estate agent to help you search. One of the most important steps of all? Getting pre-approved for a mortgage. Here’s why getting a lender’s pre-approval is a big deal when shopping for a new home, and what you should know before you begin.

Save More on Commission When Selling Your Home

By: Holly Benedetto
When selling your home, you want the process to go as smoothly as possible with the help of a trusted team to guide you. Naturally, you’ll want to get the most value for your property, too, for future investments or home purchases. Like purchasing a home, selling your home will include various fees. Most sales are completed with the assistance of a real estate agent or broker. These agents make their money by earning commission on each sale and only get paid once a home has sold. This commission is paid by the seller during closing.
Our First Home Padding 4

Keep it in the family.

American Heritage Realty is a full-service real estate firm solely owned by American Heritage. Take that pre-approval stamp over to our trusted real-estate agents and find your home

You've bought your home, now learn how to conquer the next stage–owning a home.


Important Disclaimers

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $500,000 Loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*All loans are subject to credit qualification, credit worthiness and other factors. All rates, promotions and offers are subject to change without notice.

**Annual Percentage Rate. Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $453,100.

***4.5% listing offer: 2.5% broker fee paid to buyer agent and a 2% list fee. All real estate commissions are negotiable. American Heritage Realty is an affiliate of First Heritage Realty Alliance.

The No Closing Cost Mortgage Refinance offer applies to loans with a completed application date between July 27, 2021 through December 31, 2021.  Rates and promotions effective as of July 27, 2021 and are subject to be cancelled, extended or changed without notice.

The following No Closing Cost Interest Rates and payment samples are based on a $200,000 conventional loan up to $548,250, a 95% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%: 30-year conventional 3.625% ($912.10 monthly payment); 20-year conventional 3.375% ($1,147.11 monthly payment); 15-year conventional 3.125% ($1,393.22 monthly payment); 10-year conventional 2.875% ($1,919.70 monthly payment); For rates on loans greater than $548,250, please contact us. If you do not meet the stated criteria, other mortgage refinance programs may be available to you. Members who have refinanced a home under our previous No Closing Cost Mortgage Refinance program within six months prior to today are not eligible to apply for current No Closing Cost Mortgage Refinance program. Mortgage loan approvals are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Each tax situation is unique, consult a tax and/or legal advisor for advice and information concerning your particular situation. Your rates may vary based on LTV, credit scores or loan amount. Loan rates are posted daily at and subject to change without prior notice. The mortgage loan payment obligations will be greater if taxes, homeowners insurance, or private mortgage insurance are included. The No Closing Cost Mortgage Refinance option: a) the borrower pays no closing costs, however taxes may need to be escrowed and property insurance is required; b) there is no cash out available; c) offer is only available for primary and secondary residences and does not include rental or investment properties. Choosing an origination fee option will increase the final APR. Other restrictions may apply, please contact an American Heritage Credit Union lender at 215-969-0777 for details.  This credit union is federally insured by NCUA. Equal Housing Lender. Membership Eligibility Required.

††American Heritage Realty is an affiliate of First Heritage Realty Alliance. Offer valid as of April 1, 2021 and subject to change without notice. Member must purchase home through American Heritage Realty or First Heritage Realty Alliance agent. American Heritage Credit Union will provide welcome gift card to member within 60 days of closing. Offer valid on a home purchased in Pennsylvania, New Jersey and Delaware. Member must be in good standing with a minimum $150 deposit to receive offer. Members receiving incentives may be responsible for paying taxes on the incentives. This offer is not redeemable at The Home Depot® stores. American Heritage Credit Union is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC. All rights reserved.


In compliance with stipulations required under the SAFE Act, American Heritage Federal Credit Union, AMHFCU, is hereby listing the unique identifier information, also known as the NMLS#, for AMHFCU below:
AMHFCU | #433838