We don't just do FIXED RATE MORTGAGES, that's all we do!

Heritage Mortgage Corporation of SW Florida has been and still is one of Florida’s premier Correspondent Lenders. With a very seasoned staff of experienced employees when other lenders were jumping at the opportunity to offer loans that were profitable to them, we chose to stand by our convictions and counsel with our borrowers to give them only products that have their best interest at heart. We offer only FIXED RATE MORTGAGES securitized by the loan types listed below. The terms range from 10-40 year amortizations with NO PRE-PAYMENT PENALTY on any loans that we offer.

FHA
We are government loan experts offering Federal Housing Administration loans, one of the mortgage industry’s best first time homebuyers products. FHA helps many more borrowers qualify through their liberal qualifying criteria. The down payment required for this loan is 3%, which can be given by a family member as a gift. The terms offered for this product are 15 or 30 year. We make use of computer-aided underwriting for fast approvals. Let our 50+ years of experience working with this product go to work for you!

VA
Being located in one of the country’s largest VA mortgage markets, we are experts in Veterans Administration loans. VA loans offer up to 100% financing, with no monthly mortgage insurance. We enjoy helping veteran homebuyers secure liberal, low cost VA financing for their home purchases and refinances, or “rollovers.” You’ve served your country and earned access to one of the best mortgage products in existence, now let Heritage Mortgage show you how to make the most of it.

CONVENTIONAL
We offer great rates and quick approvals on conventional financing. Our full-line of conventional loans includes 40,30,20,15 and 10 year terms on low fixed rate loans. Down payment requirements start at 5% but will vary depending on your credit score. Loans with less than 20% down payment do require private mortgage insurance.

RHS
The U.S. Department of Agriculture offers a variety of programs to help low to moderate- income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residences. There are minimal closing costs and low or no down payment requirement.