Achieve Homeownership with Government-Backed Financing
At Heritage Community Credit Union, we’re committed to helping you achieve homeownership with confidence. Our government-backed mortgage programs are designed to be affordable, flexible, and accessible, especially for buyers who may have limited savings or unique credit situations.
Whether you’re a first-time buyer, a veteran, or looking to purchase in a rural area, these loan options can help make homeownership possible.
FHA, VA & USDA Loan Options
These government-sponsored mortgage programs are specifically designed to help families like yours achieve the American dream, even with limited savings or credit challenges.
FHA Loans: Perfect for First-Time Buyers
Insured by the Federal Housing Administration, FHA loans are ideal for first-time home buyers, those building credit, or anyone with past credit challenges. Key advantages include:
- Minimal down payment
- No income limits
- Low, competitive interest rates
- Easier qualification requirements
VA Loans: Honoring Those Who Served
Backed by the U.S. Department of Veterans Affairs, VA loans reward our nation's veterans, active-duty service members, and eligible spouses with exceptional home financing benefits:
- Highly competitive interest rates
- Flexible underwriting
- No income limits
- Zero down payment required
- No private mortgage insurance (PMI) for qualified borrowers
USDA Loans: Rural Homeownership Made Easy
Supported by the U.S. Department of Agriculture, USDA loans help eligible families in rural and suburban areas achieve homeownership with incredible benefits:
- 100% financing, zero down payment
- Flexible underwriting
- Below-market interest rates
- Flexible credit requirements
Not a member yet? Join today! Anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties is eligible. California residents can also join by becoming a member of the Financial Fitness Association during the online application. See if you qualify.
Apply Now
Visit a Branch
FHA, VA, and USDA loan programs are provided through a third-party lending partner, myCUmortgage. Heritage Community Credit union does not underwrite, originate, or make credit decisions for these loans. All applications are subject to the third-party lender’s review, underwriting guidelines, and approval. Loan terms, conditions, and availability may vary.
If you have any questions about loans and/or financing just reach out to us at [email protected] or by calling 916.364.1700.
Meet Patricia Jacobs - HCCU's Mortgage Lending Consultant
With more than 34 years of experience in the home lending industry, Patricia brings a wealth of knowledge, expertise, and professionalism to her role as a Lending Consultant at HCCU. Committed to delivering an exceptional service experience, she provides members with the information they need to confidently understand their options while guiding them to a solution that meets their goals.
916-212-9375
[email protected]
NMLS ID 1242505
FAQs About Credit Union Mortgage Loans in Sacramento
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What is a mortgage?
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A mortgage is a loan you use to purchase a home. It’s a legal agreement between you and the mortgage lender whereby you borrow the money and agree to pay it back in full (including interest) within a specific period of time, usually 15-30 years.
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Do I need to be a member of HCCU to apply for a mortgage loan?
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Yes. Check out our eligibility requirements to see if you qualify.
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What is a fixed-rate mortgage?
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This is a home loan that offers a fixed, single interest rate with equal monthly payments for the entire life of the loan, excluding insurance and property taxes.
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What is an adjustable-rate mortgage?
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Unlike a fixed-rate mortgage, an adjustable-rate home loan has a variable rate and will fluctuate (or “adjust”) during the term of the loan. Your monthly mortgage payment amount will increase or decrease when your rate changes.
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What is APR?
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The annual percentage rate (APR) on your mortgage reflects the total yearly cost of your loan, including interest and certain fees, such as loan origination fees. It gives a more accurate picture of what you’ll pay over time than the interest rate alone.
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How long does it take to close on a mortgage?
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From submitting your application to signing the final mortgage documents takes approximately 4 to 6 weeks.
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Other Personal & Home Loan Options
HCCU offers other products that can help you improve your lifestyle or your home itself.
Personal Lines of Credit
With credit limits up to $10,000, HCCU’s personal lines of credit can be used for a variety of purposes like family vacations, medical expenses, and home improvement projects.
Learn More
Home Equity Loans
Take out one of our home equity loans to fund everything from minor upgrades to large renovations.
Learn More
Credit Cards
With great rates and features, one of our three credit cards is sure to suit your spending habits and lifestyle.
Learn More
