Why Choose GHFCU for Your Mortgage Needs?
At GHFCU, we understand that every homebuyer’s journey is unique. That’s why we offer a wide range of mortgage loan options designed to fit your lifestyle, budget, and long-term goals. Our commitment to personalized service, competitive rates, and flexible terms ensures that your mortgage experience is smooth from start to finish.
Key Benefits
Low Fixed Rates: Enjoy predictable monthly payments with fixed-rate mortgages up to 30 years.
Flexible Terms: Choose from 10, 15, 20, or 30-year terms to match your financial plan.
Low Closing Costs: Save money with our affordable closing fees.
Home Equity Solutions: Tap into your home’s value with our competitive HELOC and home equity loan options.
Local Expertise: Work one-on-one with our experienced Mortgage Specialist, Mary Heinecke, who will guide you every step of the way.
Never Sold: Finance your mortgage with us and we service your loan until it’s paid off.
No Prepayment Penalties and No Private Mortgage Insurance.
Mortgage Options Tailored to You
First Mortgages
Homebuyer Loans
Buying a home is a major milestone—and GHFCU is here to make it simple and stress-free. Our homebuyer mortgage programs are tailored to help you navigate the process with confidence and clarity.
Key Benefits
Competitive fixed-rate mortgage options with 10- to 30-year terms
Low closing costs save you money!
Personalized guidance from our experienced Mortgage Specialist and post-close support.
Affordable monthly payments with no Escrow requirement.
Streamlined Process from Application to Close reduces potential stress.
Our Mortgages are Never Sold. You make your payments directly to us for the life of your loan.
GHFCU helps you secure a mortgage that fits your budget and lifestyle.
Refinance & Upgrade Your Home Loan
Already a homeowner? GHFCU makes it easy to refinance your mortgage and take advantage of lower interest rates or better loan terms. Our refinancing options are ideal for members looking to reduce monthly payments, shorten loan terms, or access equity for home improvements.
Refinance Highlights
Lower your interest rate and save over time
Upgrade to a larger home with flexible financing options
Switch to a fixed-rate mortgage for predictable payments
Access equity for renovations or debt consolidation
Our refinance loans let you borrow up to 90% of your home’s value, with low closing costs and fixed monthly payments that stay the same for the life of the loan—making it easier to budget and plan ahead.
Home Equity Loans
Whether you’re planning a kitchen remodel, tackling major home improvements, or consolidating high-interest debt, your home’s equity can be a powerful financial resource. At Greenville Heritage Federal Credit Union (GHFCU), we offer flexible Home Equity Loans and Home Equity Lines of Credit (HELOCs) designed to help our members fund life’s big expenses with confidence.
Home Equity Loans
Fixed Financing for Big Projects
Our Home Equity Loans provide a lump sum of cash with a fixed interest rate and predictable monthly payments—ideal for one-time expenses like renovations, medical bills, or tuition.
Key Features
Fixed-rate loans with terms that fit your budget
Borrow up to 90% Loan-to-Value (LTV), including your first mortgage
Flexible repayment terms with consistent monthly payments
No surprises—your rate stays the same for the life of the loan
Home Equity Lines of Credit
Flexible access to your home’s equity when you need it.
HELOC Highlights
Low Introductory Rate: 4.99% APR* for 12 Months
Borrow up to 90% Combined Loan-to-Value (CLTV)
10-Year Draw Period with a 10-Year Repayment Term
Convenient access through online banking
Minimal paperwork and fast local approvals
Interest may be tax-deductible (consult your tax advisor)
Whether you’re upgrading your home or managing debt, GHFCU’s HELOC gives you the flexibility to borrow what you need, when you need it.
Connect with our Mortgage Specialist
Meet Mary Heinecke, our dedicated Mortgage Specialist. With years of experience and a passion for helping members achieve homeownership, Mary will customize a loan solution that fits your goals.
Direct Line: (864) 688-1164
Email: mheinecke@ghfcu.org
Mary Heinecke, NMLS #1832852 | GHFCU NMLS #627419
Equal Housing Lender. The Annual Percentage Rate (APR) is determined by individual credit history and underwriting criteria. Loan approval is contingent upon credit union evaluation. Promotional offers, loan programs, rates, terms, and conditions are subject to change without prior notice.
