Refinance your home and pay NO closing costs!

For a limited time, you can refinance your mortgage through American Heritage and pay No Closing Costs! Our No Closing Cost offer includes fixed rates as low as 3.000% APR** for a 10-year fixed mortgage and 3.750% APR** for a 30-year fixed mortgage. These rates and the No Closing Cost offer are valid for applications received by March 31, 2021, so apply now!

Whether you’re a new homebuyer or looking to refinance your home, call American Heritage. As a credit union, we can offer rates and services you won’t find at conventional banks. American Heritage is a full-service mortgage provider, offering a comprehensive range of home financing and buying solutions.

Looking to buy or sell your home? Contact American Heritage Realty so we can help start the home search journey together.

You can easily apply for your loan online, or contact us at 215.969.0777 to learn more or apply and get pre-approved. After 5:00 pm on weekdays, and on weekends from 10:00 AM to 4:00 PM, you can contact our Mortgage Concierge group at 800.808.2662. Our mortgage experts are ready to answer your questions, provide a free pre-approval*, or help you apply!

Apply for a Mortgage Now!

Mortgage Loans

  • Fixed-Rate Mortgages with 15 to 30 Year term options
  • Adjustable Rate Mortgages with a variable of term options
  • Free Pre-approval*

Reverse Mortgage Loans

  • If you are 62 or older, this is a great way to unlock the value in your best nest egg, your home
  • Let the equity in your home supplement retirement income
  • Free Pre-approval*

FHA & VA Mortgages

  • We offer special government programs for Veterans
  • Up to 100% with no down payment options for new homeowners
  • More flexible qualification guidelines than those for conventional loans
  • Free Pre-approval*


There are many options when it comes to mortgages and home ownership. We're here with offerings for whatever your situation might be:


First Time Home Buyer Loans


Jumbo Loans

  • Finance a mortgage amount greater than $453,100
  • Fixed interest rate and adjustable-rate options
  • Special options for Medical Professionals



Adjustable Rate Programs (ARM)

  • Consider if you might refinance or pay off your home within ten years
  • With an ARM, you can extend purchasing power with a lower rate and lower initial payment


Not Ready to Apply? No problem, we are here to help!

  • Call us at 800.808.2662 to learn more about our Mortgage products

Calculate Your Monthly Payment*

These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances.

Convenient Mortgage & Real Estate Services

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Mortgage Pre-Approval

Get ahead for FREE!* Get the competitive edge you need in the home-buying market.

American Heritage Realty

Full-service Real Estate Firm. Work with our experts every step of the way. As a member, you can use our full-service realty and mortgage team to purchase and finance the home of your dreams!

Home Buyer Program

Connecting you with the mortgage that best fits your budget and lifestyle. As a full-service mortgage provider, we offer a wide variety of home financing products and services.
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Take the next steps

Get FREE pre-approval for your mortgage and gain a competitive edge against other prospective buyers.

Mortgage Rates

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Term Interest Rate APR**
30 Year 3.250% 3.278%
30 Year Jumbo 3.500% 3.591%
15 Year 2.875% 2.925%
15 Year Jumbo 3.125% 3.287%
10 Year 2.625% 2.609%
3/1 Year ARM 2.875% 2.234%
3/3 Year ARM 3.125% 3.078%
5/1 Year ARM 3.125% 2.426%
5/5 year ARM 3.375% 3.084%
30 Year FHA 3.125% 4.184%
15 Year FHA 3.000% 4.228%

Refinance Rates

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Term No Cost Interest Rate†
30-Year Conventional 3.750%†
20-Year Conventional 3.500%†
15-Year Conventional 3.250%†
10-Year Conventional 3.000%†
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Keep it in the family.

American Heritage Realty is a full-service real estate firm solely owned by American Heritage. Take that pre-approval stamp over to our trusted real-estate agents and find your home
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You've bought your home, now learn how to conquer the next stage–owning a home.


Important Disclaimers

¹If you qualify and your loan is approved, a HECM Reverse Mortgage must pay off your existing mortgage(s). With a HECM Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or defaults on taxes and insurance payments, or does not comply with loan terms. Call 215-969-0777 to learn more. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.

²Social Security benefits estimator available at

³Loan proceeds are paid tax-free; consult your tax advisor.

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $500,000 Loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*All loans are subject to credit qualification, credit worthiness and other factors. All rates, promotions and offers are subject to change without notice.

**Annual Percentage Rate. Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $453,100.

The No Closing Cost Mortgage Refinance offer applies to loans with a completed application date between January 1, 2021 through March 31, 2021.  Rates and promotions effective as of January 1, 2021 and are subject to be cancelled, extended or changed without notice.

The following No Closing Cost Interest Rates and payment samples are based on a $200,000 conventional loan up to $548,250, a 95% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%: 30-year conventional 3.75% ($926.23 monthly payment); 20-year conventional 3.50% ($1,159.92 monthly payment); 15-year conventional 3.25% ($1,405.34 monthly payment); 10-year conventional 3.00% ($1,931.21 monthly payment); For rates on loans greater than $548,250, please contact us. If you do not meet the stated criteria, other mortgage refinance programs may be available to you. Members who have refinanced a home under our previous No Closing Cost Mortgage Refinance program within six months prior to today are not eligible to apply for current No Closing Cost Mortgage Refinance program. Mortgage loan approvals are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Each tax situation is unique, consult a tax and/or legal advisor for advice and information concerning your particular situation. Your rates may vary based on LTV, credit scores or loan amount. Loan rates are posted daily at and subject to change without prior notice. The mortgage loan payment obligations will be greater if taxes, homeowners insurance, or private mortgage insurance are included. The No Closing Cost Mortgage Refinance option: a) the borrower pays no closing costs, however taxes may need to be escrowed and property insurance is required; b) there is no cash out available; c) offer is only available for primary and secondary residences and does not include rental or investment properties. Choosing an origination fee option will increase the final APR. Other restrictions may apply, please contact an American Heritage Credit Union lender at 215-969-0777 for details.  This credit union is federally insured by NCUA. Equal Housing Lender. Membership Eligibility Required.


In compliance with stipulations required under the SAFE Act, American Heritage Federal Credit Union, AMHFCU, is hereby listing the unique identifier information, also known as the NMLS#, for AMHFCU below:
AMHFCU | #433838