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Loan Services

At Heritage Community Bank, personal service means not only a smile and a friendly handshake when you apply for a loan, but satisfying your personal loan needs.  When you need money for that new car, home repair or improvement, a college education for your child, or just a great vacation, we are here to help you meet that need.


A Heritage Community Bank personal loan can help purchase a new vehicle, boat, camper, or any item with collateral value.  With our quick decisions, competitive rates, and excellent customer service, we are ready to help you finance your needs whether it's brand new or just new to you.

To expedite the processing of a loan, fill out one of our loan applications and financial statement. Simply enter all the information, print, sign, and bring to any of our branches. You can also mail them to our address listed at the bottom of this page.


At Heritage Community Bank, we want to help you find a mortgage loan that’s a perfect fit for you and your family.  Purchasing, constructing, refinancing, or renovating your home is a huge undertaking and our goal is to make the process as easy and simple as possible.  Our mortgage experts will work with you to find the best loan that fits your needs.

Second Mortgage loans:

for home improvement, college tuition, or any other need you may have.

  • Flexible terms and payment dates
  • Allows you to borrow up to 80% equity
  • Tax deductible interest*

* Consult your tax advisor.

Adjustable Rate Mortgages

Loans that are tied to the U. S. Treasury Bill rates.

Construction Loans

Loans for the construction of a new home or an extensive remodeling project that will result in a refinance of the original loan.  After the construction period, this loan must be converted to a long term fixed rate mortgage or an “in house” mortgage.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) can be a huge savings advantage for your loan needs.  This type of loan provides large amounts of cash at low interest rates.  A HELOC is secured by a mortgage or deed of trust on your personal property.

Access to your money is as convenient as transferring funds to your account and writing a check.  These purchases can be for home improvement, major purchases, educational costs, paying off high interest credit cards, or an automobile purchase.


  • Re-usable credit
  • Lower closing costs
  • Faster processing time from application to close
  • Extremely flexible
  • Prime rate is fairly stable
  • Tax deductible interest *
  • Maximum property value of $200,000
  • Total loan value equal to or less than 80%

* Consult your tax advisor.