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Mortgage Lending

Home equity lines of credit are here to make yoru dreams come true. $0 closing costs on qualifying loans until April 29th, 2023.

$0.00 Closing Costs on Home Equity Lines of Credit 

Dear Current and Future Homeland CU Members, 

Available November 1, 2022 through April 29, 2023 we will be offering $0.00 closing costs on qualifying Home Equity Lines of Credit. We know that in this current housing market finding your dream home may be difficult and we wanted to make it easier for you to update your current home, if that is something you're considering.

Home Equity Lines of Credit may be used for home improvement projects, vacation expenses, paying for college tuition, and more. 

The fine print! $0.00 closing costs on Home Equity Lines of Credit must have an initial advance of $20,000. These loans are based on individual credit worthiness. To confirm the amount of available equity in your home please setup an appointment with Melissa Parks, our Mortgage Loan Officer. This offer is only valid November 1, 2022 through April 29, 2023. Promotion is subject to change or cancellation with no prior notice. Please see the credit union for complete details.

To schedule an appointment please call 740-772-8927 or email 

Homeland Credit Union NMLS #403112 

Melissa Parks NMLS #405372

A mortgage for your home is the beginning of a long term relationship. Shouldn't you come to the people you know and trust... people like your credit union mortgage loan officer? We are available to help you determine the mortgage that suits your requirements, and look after your interest for the years to come.

Whether you're purchasing your first home, moving into to a new home or looking to refinance, we have many great options for you.

Lending Details:

  • Free application
  • Easy application process
  • Quick approval and closing
  • Competitive rates

We are now offering VA, USDA, and FHA mortgage programs. Government mortgage programs can help you become a home owner with their flexible credit requirements and low down payments. 

Meet Our Mortgage Lending Team

For all home loan information please call 740-775-3331

Homeland Credit Union NMLS #403112

Frequently Asked Questions

  1. Can I get a home loan with no down payment?
    Answer: Yes, we offer USDA which is a no down payment loan product. Typically the only out of pocket from the borrower is the closing cost, which can sometimes be paid by the seller.
  2. Is there a minimum credit score for a mortgage?
    Answer: Yes, the minimum score varies depending on the type of loan.
  3. Can you tell me how much I can be approved for without pulling my credit?
    Answer: No, we are required to pull credit for a preapproval.
  4. Do you offer mortgages for terms less than 30 years?
    Answer: Yes, we offer 30 year, 20 year, 15 year and 10 year mortgages.
  5. Can I refinance my home without paying closing cost out of pocket?
    Answer: Yes, We can finance your closing cost into your loan.

Suggested items to bring to your appointment

  • 1 month paystubs
  • 2 most recent years W2s
  • Copy of your homeowners insurance declaration page
  • Current mortgage statement (for refinance)

Loan Rates

Loan Calculator

Use this simple loan calculator to calculate a monthly payment, total number of payments, and total amount paid.

Enter the Loan Term, Annual Percentage Rate, and Amount Borrowed, then select Calculate.

The Loan Calculator is offered as a convenience to members and is intended to give an approximate payment amount based on the information furnished. Your actual payment amount may be different. Contact the credit union for more information.