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Refinance Your Mortgage with Lower Rates and No Closing Costs†!
Now is the perfect time to refinance your home with American Heritage. Click here to learn more about our No Closing Cost Offer†!
Partner with us to become a Homeowner!
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 Programs! First-time homebuyers can receive up 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 comfort of 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!
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 to help you with your monthly payments.
Calculate Your Monthly Payment*
Find Your Dream Home with First Heritage Realty
Local Real Estate Experts Are Ready to HelpA 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 First Heritage Realty Alliance's website.
Sell your home! Our top rated listing agents will sell your home quickly and professionally for a special 4.5% Home Selling Listing Fee***. American Heritage Credit Union members can also receive a $250 Gift Card to The Home Depot® when they purchase their home through a First Heritage Realty Alliance agent.††
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Convenient Mortgage & Real Estate Services
Home Buyer Program
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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 $726,200 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 $726,200 .
***4.5% listing offer: 2.5% home selling listing 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 of April 26, 2023 or later. Rates and promotions effective as of April 26, 2023 and are subject to be cancelled, extended or changed without prior notice. The listed No Closing Cost Interest Rates are based on a $200,000 conventional loan up to $726,200, a 80% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%. For rates on loans greater than $726,200, 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 AmericanHeritageCU.org 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.
††Offer valid as of January 1, 2022 and subject to change without notice. Member must purchase home through a 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.
‡Adjustable Rate Mortgage (ARM) products feature payments that may change in the future. The fixed rate period varies based on the ARM loan you select: A 3/1 ARM has a fixed interest rate for three years (36 months), a 5/1 ARM has a fixed interest rate for five years (60 months) and a 7/1 ARM has a fixed interest rate for seven years (84 months). After the fixed rate period ends, the rate can then change every year (12 months) thereafter. The variable rate is based on the one-year Constant Maturity Treasury (CMT) yield, plus a fixed margin of 3.00%. Rate cannot increase or decrease by more than two percentage points annually or more than six percentage points over the life of the loan. Available for owner-occupied only. For purchase only. Up to 95% Loan to Value. Mortgage insurance required for Loan-to-Value ratios of 81% to 95%.
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