Personal Loan Solutions

We know you have many lenders to choose from in our area. Contact one of our lenders and discover the benefits of working with someone local where the loan decisions are made right in our offices in Maury County.

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Home Loans

We offer options that many other lenders may not, such as loans for homes on farmland, manufactured homes, and lot loans. Contact us to discuss your specifics with one of our lenders!

Home Loans

Home Loans

Terms

Mortgage terms of up to 30 years with a wide range of options to meet your needs. Fixed and variable rate options available. 

Application Fees

None

Prepayment Penalties

None

Prequalified

Get a prequalification at no charge, which is good for up to 90 days.  

Reserve Accounts

An escrow reserve account may be required for payment of property taxes and insurance on collateral.

Automatic Monthly Payments

Make loan payments from your checking account with Heritage Bank & Trust Online, Mobile Banking or Bill Pay.

Construction Loans

A construction loan from Heritage Bank & Trust takes your dream and makes it a reality! We have a history of working with customers and builders to make the process smooth and easy. Contact one of our lenders to get started and discuss the loan that is right for you.

Construction Loans

Construction Loans

Terms

Up to 12 months. Interest payable monthly based on the amount drawn. Mortgage loans with terms up to 30 years available upon completion of construction. 

Application Fees

None

Prepayment Penalties

None

Draws

Paid quickly and interest is only charged on the amount drawn to date

Prequalified

Get a prequalification at no charge which is good for up to 90 days

Local Loan Approval and Servicing

Local decisions result in timely, personal and flexible solutions

Home Equity Lines & Loans

If you own a first or second home and need money for home improvements, investments, or other large expenses, a Home Equity Loan or Home Equity Line of Credit could be right for you.

Home Equity Lines & Loans

Home Equity Line of Credit (HELOC)

Home Equity Loan

Terms

Variable Rates with up to a 7 year draw period

1 to 25 years

Interest Rates

Adjustable, based on New York Prime rate 

Fixed rate for up to 5 years. Variable rates (ARM's) also available. 

Loan Maximums

Up to 80% of your home's combined Loan to Value

Up to 80% of your home's combined Loan to Value

Consumer & Auto Loans

Do you need to replace your family vehicle, purchase a boat or fund that special purchase? We can help!

Personal & Auto Loans

Personal

Auto

Boat, ATV, 
or Equipment

Term of Loan for purchase OR REFINANCE of collateral

Rates and terms based on collateral and credit score

Rates and terms based on year of vehicle and credit score

Rates and terms based on collateral and credit score

Rates

Fixed

Fixed

Fixed

Loan approval and payments

Local decisions and payments made to Heritage Bank & Trust

Local loan decision and payments made to Heritage Bank & Trust

Local loan decision and payments made to Heritage Bank & Trust

AUTOMATIC MONTHLY PAYMENTS

Make your monthly loan payment from your Heritage Bank & Trust checking account via draft, Online, Mobile Banking or Bill Pay.

Check Your Credit Score

You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Order all three reports at once, or order one report every four months. To order, go to annualcreditreport.com or call 1-877-322-8228.

 

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