Vice President of Lending
NMLS #1145625
Mortgage Lending
Homeland Credit Union Celebrates Legacy with $19.32* HELOC Closing Costs Promotion
Chillicothe, OH – In honor of its founding year, 1932, Homeland Credit Union is excited to announce a special promotion offering $19.32* closing costs on qualifying Home Equity Lines of Credit (HELOCs). This limited-time offer is available from December 6, 2024, through August 31, 2025.
“Our members are at the heart of our success,” said Mishion Payne, VP of Lending. “This promotion is a way to celebrate our history while providing real value to the community.”
The offer applies to HELOCs with an initial advance of $20,000. Loans are subject to individual creditworthiness, and the promotion may be modified or discontinued without prior notice.
Members are encouraged to schedule an appointment with a Mortgage Loan Officer by calling 740-775-3331 to confirm their available home equity and start the application process.
*$19.32 closing costs on qualifying Home Equity Lines of Credit. Must have an initial advance of $20,000. These loans are based on individual creditworthiness. To confirm the amount of available equity in your home please call 740-775-3331 and ask to speak with a Mortgage Loan Officer to schedule an appointment. This offer is valid from December 6, 2024, through August 31, 2025. Promotion is subject to change or cancellation with no prior notice. Please see the credit union for complete details.
NMLS #403112
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
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Mishion Payne
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Melissa Parks
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Aspen Henry
For all home loan information please call 740-775-3331.
Homeland Credit Union NMLS #403112
Disclosures and Important Info
Frequently Asked Questions
- 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. - Is there a minimum credit score for a mortgage?
Answer: Yes, the minimum score varies depending on the type of loan. - 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. - Do you offer mortgages for terms less than 30 years?
Answer: Yes, we offer 30 year, 20 year, 15 year and 10 year mortgages. - 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.
