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How to Get a Loan

Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also email us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan-application process

STEP ONE: Apply Now! Getting started is easy

Getting pre-approved helps you feel confident shopping for a home, knowing how much you can afford. Heritage offers free pre-approvals, which lets Real Estate Agent and Sellers know you are a serious buyer. Complete the online application shown on the left.

If you've selected a property and have a contract with the Seller, the next step is to complete an online mortgage application. Complete the online application shown on the left.

At the appropriate time we'll order a property appraisal for you.

STEP TWO: Provide Supporting Documents

You will find a basic checklist of supporting documents needed under the tools section.  Our mortgage expert will also communicate supporting documents needed based on your application.

STEP THREE: Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Heritage Credit Union Mortgage Team
1212 Huxley Street, Madison, WI  53704
Toll Free:  (888) 432-8496
Direct:  (608) 268-5090 Ext. 2156
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