First Heritage Financial, LLC is a credit union owned company with experienced first mortgage professionals that operates under the credit union philosophy of people helping people. If you need a mortgage or want to learn how much of a mortgage you can qualify to obtain, please contact one of our experienced Loan Counselors at 800-808-2662 to witness first hand the difference experienced people make in your search for first mortgage financing.

To view the list of credit unions that have chosen to partner with First Heritage Financial, LLC please click on the Partners tab at the top of this page.

First Heritage offers a wide variety of first mortgage related services to credit unions that do not have the staff or expertise to completely service their members' first mortgage needs. If you operate or belong to a credit union and believe it may be beneficial to your members if you offered first mortgages, please give me (Cos Manzo) a call at 800-808-2662 extension 2822.

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Some mortgage programs may require a fee or rate adjustment; please consult with a Loan Counselor to determine the rate and fees associated with the program you are attempting to secure.

The rates listed below are available up to 4 PM on the day they were published.

Rates Effective: 6-18-2013

Conventional
Term Points Conv. APR*
30 Year 0 Points 4.000% 4.091%
30 Year 3 Points 3.625% 3.966%
15 Year 0 Points 3.125% 3.268%
15 Year 3 Points 2.625% 3.206%
FHA
Term Points Conv. APR*
30 Year 0 Points 4.000% 4.261%
30 Year 3 Points 3.750% 4.270%
15 Year 0 Points 3.750% 4.152%
15 Year 3 Points 3.375% 4.232%
ARM
Term Rate APR*
1 Year 2.625% 3.394%
3 Year 2.875% 3.148%
5 Year 3.250% 3.239%
7 Year 3.625% 3.438%
10 Year 4.000% 3.739%

*APR calculated using $100,000.00 mortage amount for the respective rate.

These rates are for conventional mortgage loan amounts between $60,000 and $417,000. For other mortgage amounts please call a loan counselor - 800-808-2662.

Want to find out what your monthly mortgage payment will be?
Click here to use our mortgage calculator.

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