We Are Your Mortgage Experts

House hunting may be exciting, but navigating the mortgage process can be intimidating. At Hidden River Credit Union, our experienced team of mortgage professionals is here to help you make sense of home financing. With more than 200 competitively priced programs at our disposal, we can recommend the best solutions for your individual real estate needs.

All HRCU Mortgage Loans and Equity Programs feature:

  • No application or credit report fees
  • Low appraisal fees
  • Competitive interest rates
  • Flexible loan terms
  • Optional Smart Choice Loan Protection Insurance
  • Convenient direct deposit, payroll deduction, and automatic transfer
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Rates as low as

5.125%

House

Mortgages

Unlike traditional mortgage lenders, we don’t charge many of the standard closing fees such as broker fees, mortgage consultation fees, and loan origination fees. Financing your home through Hidden River Credit Union can save you an average of $1,500 on a $100,000 mortgage.

HRCU Mortgage Programs include:

  • Fixed-rate mortgages
  • Adjustable-rate mortgages (ARM)
  • FHA mortgages
  • Construction/Permanent mortgages
  • Remodeling mortgages
  • USDA mortgages
  • VA mortgages
  • Conventional mortgages
  • PHFA mortgages
Ten
Ten and Done Mortgages

Do you want to be debt free sooner rather than later? Would you like to save decades of payments and thousands in interest costs? HRCU’s 10 and Done Mortgage can help you accomplish these goals! This innovative program helps you build equity more quickly by offering:

  • Low, fixed interest rate*
  • Ten-year loan term

Stop in or call today to schedule an appointment! Bring your completed application
to simplify the process and save you time.

couple laying on bed looking at new house plan

Home Equity Loans

Whether you’re working on home improvements, consolidating debt, or paying for your children’s tuition, a Home Equity Loan is the perfect solution. Hidden River Credit Union offers competitive programs and personalized service that will help you find a Home Equity Loan to fit your needs.

HRCU Home Equity Loans offer:

  • Loan amounts up to 80% of the home’s appraised value minus the current balance on the first mortgage
  • Extended repayment terms up to 15 years

Stop in or call today to schedule an appointment! Bring your completed application
to simplify the process and save you time.

Painting can and brush

Home Equity Lines of Credit

With HRCU’s Home Equity Line of Credit, you apply and get approved for a maximum borrowing amount, but only draw funds from your HELOC when you need them. Home renovations, college tuition, new car, or a dream vacation – how you use the money is up to you!

  • Credit lines up to 80% of appraised value minus the outstanding balance of first mortgage**
  • A five (5) year draw period
  • Extended repayment terms up to 15 years

Stop in or call today to schedule an appointment! Bring your completed application
to simplify the process and save you time.

Construction of a house

Unimproved Land Loans

Developers can always build more houses, but they can’t make more land. That’s why land ownership is such a sound investment and why HRCU offers land loans with outstanding fixed rates and convenient, flexible terms.

  • Available amount to borrow is 90% of appraised value
  • Extended repayment terms

Stop in or call today to schedule an appointment! Bring your completed application
to simplify the process and save you time.

Septic system

Septic Loans

When your septic system needs to be repaired or replaced, Hidden River Credit Union can help! Our Septic Loan Program, funded by PENNVEST and administered by the Pennsylvania Housing Finance Agency (PHFA), makes it easy for qualified homeowners to:

  • Connect to public sewer for the first time
  • Repair or replace an existing connection to public sewer
  • Repair or replace an individual, on-lot sewage disposal system

Stop in or call today to schedule an appointment! Bring your completed application
to simplify the process and save you time.

For Septic Loan benefits, terms, and eligibility requirements, contact one of our lending representatives today. You can also obtain more information by calling PHFA’s Solution Center at 855-U-ARE-HOME (855-827-3466) or visit www.phfa.org.

*The APR is a fixed interest rate and applies to an 80% loan-to-value (LTV) Ten & Done Mortgage. The maximum loan term is ten (10) years. The minimum loan amount is $10,000, and the maximum loan amount is $200,000. All loan requests subject to credit approval. Loan terms and conditions may apply to new money loans only. Rates and terms are subject to change without prior notice. HRCU is an equal opportunity lender and insured by the National Credit Union Association.

**HELOCs feature a variable interest rate and are limited to an 80% loan-to-value (LTV). The applied interest rate will equal the major bank Prime Rate plus 0.50% as published in the Wall Street Journal on either January 15th or July 15th of the last calendar period. The interest rate applied cannot increase or decrease more than 2.50% at each potential adjustment. The minimum APR (Annual Percentage Rate) is 4.00%, and the maximum rate can never exceed 18.00%. The minimum loan amount is $10,000 (credit line), and the minimum advance is $500. Monthly payment may vary. HELOCs have a five-year advance period with up to a fifteen-year re-payment term. HRCU is federally insured by the National Credit Union Administration. Equal Opportunity Lender.