Pair the PERFECT HOME with the PERFECT LOAN!
Get Your Appraisal Fee Waived2 | It’s Our Way of Saying Welcome Home
At the Heritage Community Credit Union (HCCU), we’re all about helping you unlock the door to your dream home. Whether it’s your first home, your forever house, or your next big adventure, we’re here to make it happen with mortgage options that fit your life—and your budget.
Why Choose HCCU?
Because we make the home-buying process faster, easier, and more rewarding! Here’s how we do it:
- Fast Close Guarantee: Close in as little as 15 to 30 days¹
- Local Underwriting: Get decisions within 24 to 48 hours—because no one likes waiting
- Same-Day Pre-Approval: House hunting? Get that crucial pre-approval certificate same day
- In-Person Support: Need advice? Let’s chat! Book an in-branch appointment anytime
Plus, we’re waiving your appraisal fee to help you save big as you settle into your perfect space.
Ready to Make Your Move?
Please reach out to our Contact Center at 916.364.1700.
Get started on your home-buying journey. Because at HCCU, there’s no place like YOUR home.
1Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply. 2Heritage Community Credit Union (HCCU) will waive your appraisal fee if you close your loan with HCCU. Offer applies to first mortgage loans only and is subject to credit approval. Certain restrictions may apply. Offer may be modified or discontinued at any time without notice.
Earn 10,000 bonus points when you spend $1,500 in the first 3 months2 – that’s a $100 cash redemption value.
Our Rewards Credit Card lets you earn points on everyday purchases then offers rewards such as travel, cash back, and merchandise. Plus, enjoy these additional features:
- Points on Purchases: Earn 1.5 reward points per $1 spent on all purchases.
- 0% APR Balance Transfer Offer: Pay no interest on your balance transfer for the first 12 months. After 12 months, get a rate between 17.24% and 36.00% APR* based on your credit.
- 4.99% Introductory APR* for Purchases: Enjoy a low, fixed rate for the first six months after account opening. After six months, get a rate between 17.24% and 36.00% APR* based on your credit.
*Annual Percentage Rate, see Pricing and Fee Details. View Disclosure. Rates and terms are subject to change without notice.
1 Other fees apply. Cash advance fee is 3.00% of the amount of each cash advance. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.
2To qualify for the 10,000 bonus rewards points, a total of at least $1,500 in net purchases (purchases minus returns/credits) must be posted to your account within 3 months from the date your account is opened. Cash advances and balance transfers do not apply for this offer and may affect the credit line available for this offer.
Rates and terms are subject to change without notice. All loans are subject to credit approval.
