Heritage Bank of Schaumburg

Home Mortgage Loans

First Mortgage
Home Equity
Construction
Contact us at lending@hbschaumburg.com

First Mortgage

At Heritage Bank of Schaumburg we believe choosing the right mortgage is as important as choosing the right house. We’re experienced in real estate lending. One of our professional mortgage loan officers will answer all your questions, and help to inform you on advantages of each type of loan we offer. We will personally help you each step of the way, beginning with your application through your loan closing. We simply make it easier because we care.

Fixed rate, adjustable rate and balloon mortgages offered at various terms
No doc programs
Extended locks
Jumbo mortgages
No income verification programs
Investment property mortgages
Bridge loans
Lot loans
Construction loans

Home Equity

Let us help you use the equity in your home to your advantage. With our quick turn around time, we can help you consolidate debt, buy something new, or just have money available for future needs. Based on your needs, we can offer you a fixed rate term loan or a variable rate line of credit. Whatever you choose, it will be the right loan for you. (Remember, home equity loan interest may be tax deductible, so please consult your tax advisor.)

Fixed Rate Home Equity Loan (1-4 Family Owner Occupied)
- No application fee or closing costs
- Prime plus 1.75% with a floor of 4.75%
- Up to a 7 year term
- Rate lowered by .25% with an automatic payment from a Heritage Bank
  account
- Make fixed monthly payments of principal and interest
- Minimum loan amount of $5,001.00
- Up to 80% Loan-to-Value
Variable Rate Home Equity Line of Credit (1-4 Family Owner Occupied)
- No application fee or closing costs
- 10 year term
- Rate is at prime with a floor of 4.75%
- Rate lowered by .25% with an automatic payment from a Heritage Bank account
- Annual fee waived for the first year
- Annual fee $35.00
- Interest only monthly payments
- Principal payments will replenish your available line of credit
- Up to 80% Loan-to-Value
- Minimum line of $5,001.00
- Variable rate index tied to the prime rate published in the Wall Street Journal
Premier 150 Home Equity Line of Credit (1-4 Family Owner Occupied)

No application fee or closing costs
10 year term
Rate is prime minus .25% a floor of 3.25%
Rate lowered by .25% with an automatic payment from a Heritage Bank account
Annual fee waived for the first year
Annual fee $35.00
Interest only monthly payments
Principal payments will replenish your available line of credit
$150,000.00 minimum
Up to75% Loan-to-Value
Variable rate index tied to the prime rate published in the Wall Street Journal

Investment and Non-Owner occupied loans available.
- Call one of our professional lending officers for details.

Construction

Building your dream home or doing a home addition can be fun and rewarding. We can help finance the land, the construction and even provide you with a very competitive end mortgage. Our experienced lenders will work closely with you and your contractor through the entire process to make sure the job is done right.

Up to a 1 year term
Loan–to-Value up to 80%
Monthly interest only
Competitive Pricing

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Heritage Bank of Schaumburg 1535 W. Schaumburg Rd. Schaumburg, IL 60194 (847) 524-4000 Ph. (847) 524-1974 Fax customerservice@ hbschaumburg.com	Home Mortgage Loans First Mortgage Home Equity Construction Contact us at lending@hbschaumburg.com First Mortgage At Heritage Bank of Schaumburg we believe choosing the right mortgage is as important as choosing the right house. We’re experienced in real estate lending. One of our professional mortgage loan officers will answer all your questions, and help to inform you on advantages of each type of loan we offer. We will personally help you each step of the way, beginning with your application through your loan closing. We simply make it easier because we care. Fixed rate, adjustable rate and balloon mortgages offered at various terms No doc programs Extended locks Jumbo mortgages No income verification programs Investment property mortgages Bridge loans Lot loans Construction loans Home Equity Let us help you use the equity in your home to your advantage. With our quick turn around time, we can help you consolidate debt, buy something new, or just have money available for future needs. Based on your needs, we can offer you a fixed rate term loan or a variable rate line of credit. Whatever you choose, it will be the right loan for you. (Remember, home equity loan interest may be tax deductible, so please consult your tax advisor.) Fixed Rate Home Equity Loan (1-4 Family Owner Occupied) No application fee or closing costs Prime plus 1.75% with a floor of 4.75% Up to a 7 year term Rate lowered by .25% with an automatic payment from a Heritage Bank account Make fixed monthly payments of principal and interest Minimum loan amount of $5,001.00 Up to 80% Loan-to-Value Variable Rate Home Equity Line of Credit (1-4 Family Owner Occupied) No application fee or closing costs 10 year term Rate is at prime with a floor of 4.75% Rate lowered by .25% with an automatic payment from a Heritage Bank account Annual fee waived for the first year Annual fee $35.00 Interest only monthly payments Principal payments will replenish your available line of credit Up to 80% Loan-to-Value Minimum line of $5,001.00 Variable rate index tied to the prime rate published in the Wall Street Journal Premier 150 Home Equity Line of Credit (1-4 Family Owner Occupied) No application fee or closing costs 10 year term Rate is prime minus .25% a floor of 3.25% Rate lowered by .25% with an automatic payment from a Heritage Bank account Annual fee waived for the first year Annual fee $35.00 Interest only monthly payments Principal payments will replenish your available line of credit $150,000.00 minimum Up to75% Loan-to-Value Variable rate index tied to the prime rate published in the Wall Street Journal Investment and Non-Owner occupied loans available. Call one of our professional lending officers for details. Construction Building your dream home or doing a home addition can be fun and rewarding. We can help finance the land, the construction and even provide you with a very competitive end mortgage. Our experienced lenders will work closely with you and your contractor through the entire process to make sure the job is done right. Up to a 1 year term Loan–to-Value up to 80% Monthly interest only Competitive Pricing











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