Mortgage Loans


We Have a Mortgage Just for You

Whether you’re buying your first home, looking to expand to a larger home, planning to purchase a vacation home, or interested in refinancing an existing home loan, Spirit Financial Credit Union can help. We make it easy with competitive mortgage rates and personalized service. Whatever your mortgage loan needs, Spirit Financial Credit Union is ready to serve you! We’ve partnered with First Heritage Financial to offer the best in mortgage financing and to provide a wide variety of mortgage offers designed to fit your financial needs. We understand how important the home buying process is and we want to help.


Spirit Financial Credit Union Offers

  • Conventional Mortgage Loans for: Primary residence, secondary, vacation homes and investment properties
  • Competitive Mortgage Rates
  • FHA Loans, VA Loans and PHFA loans
  • Construction Mortgage Loans
  • Land Acquisition and Building Packages
  • Modular Home Mortgage Loans
  • Mortgage Loan Pre-Approval

To Apply for a Mortgage please contact

Deborah Onisick

(800) 808-2662 option 1, extension 52464
Or e-mail at: donisick@firstheritage.org
NMLS # 241175


Want to speak with someone regarding a low interest mortgage loan or learn more about our mortgage rates?

Give our Mortgage Loan Officer a call today at (267) 580-0230 for more information on our mortgage programs and current rates.