Heritage United Mortgage Services is a division of GVC Mortgage, Inc.
Why Heritage United Mortgage?
Quick Closings
Close your loan in weeks.
Great Support
Enjoy the personalized service you deserve.
About Us
We are a family owned mortgage lender dedicated to making the home loan process simple and fast.
Meet Our Team
We are Ready to Help You
Dan Phillips
Branch Manager, NMLS# 6518
States Licensed in: IN, KY
Kim Clark
Marketing Coordinator
The Right Loan Program for You
Which Scenario Below Best Describes You?
FHA
I do not have a lot of money for a down payment.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Purchases can Include Rehab and Remodels
- Easy Refinancing
USDA
I live in a rural area and need financing for a home.
Loan Features:
- Great for those with Low to Moderate Income
- Up to 100% Financing
- Flexible Underwriting Guidelines and Credit Qualifications
- Household Income & Property Geographic Limitations Apply
Conventional
I am able to make a larger down payment.
Loan Features:
- Great for those with Moderate to High Income
- As Little as 5% Down Payment (only 3% for First-Time Homebuyers)
- 20% Down Payment Removes Mortgage Insurance Premiums
- Flexible Terms
VA
I am an active member of the military or a veteran.
Loan Features:
- Designed to Provide Financing to American Veterans
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
FHA 203k Limited
I want to buy a fixer upper or improve my current home.
Loan Features:
- A Single Loan Finances Home and Less Extensive Non-Structural Repairs
- Mortgage Balance can be Greater than the Purchase Price
- No Professional Consultants, Engineers, or Architects Required
Doctors
I am completing my residency and want to buy.
Loan Features:
- Flexible Down Payment Options
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
DU Refi Plus
I had a conventional loan before 2009 and owe more on my mortgage than my home is worth.
Loan Features:
- Increased Underwriting Flexibilities
- Refinances Existing Fannie Mae Loans made before May 31st 2009 for Today’s Low Interest Rates
- No Mortgage Insurance Premiums Required if Mortgage Insurance was not Required at Start of Existing Loan
FHA Manufactured Home
I want to purchase a manufactured home.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Easy Refinancing
What Would You Like to Do?
Your Home Loan Experience
Our Process Allows us to Close Loans in Weeks
Step 1
You Apply and get Pre-Qualified
Step 2
We Prepare Your Preliminary Documents
Step 3
We Meet with You to Sign Documents
Step 4
We Process Your Loan and Order Your Appraisal
Step 5
We Underwrite Your Loan
Step 6
Our Underwriters Issue a Conditional Approval
Step 7
We Work Together to Satisfy all Outstanding Conditions
Step 8
We Send Back Requested Conditions to our Underwriter
Step 9
Additional Documentation may be Requested once Conditions are Reviewed
Step 10
We are Issued a Clear to Close
Step 11
We Schedule Your Closing with Title Company and all Parties
Step 12
Title Company Prepares Your Closing Documents and Executes Closing
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Required Documentation for a Home Loan
When You Apply for a Home Loan You Will Need to Provide the Following Documentation
| Purchase Loan | |
|---|---|
| Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | |
| Most Recent 30 days of Pay Stubs with YTD Gross Earnings | |
| Most Recent 2 Months of Bank Statements (all pages) | |
| Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | |
| Signed Loan Application | |
| Driver’s License and Social Security Card | |
| Signed Purchase Agreement | |
| 12 Months Cancelled Checks for Verification of Rent and Rental Agreement | |
| Other Documentation may be Required |
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Your Refinance Experience
Our Process Allows us to Close a Refinance Loan in Weeks
Step 1
Determine Why You Want to Refinance
Step 2
Contact Us
Step 3
Apply for Loan
Step 4
We Review Your Credit
Step 5
We Will Give You Details of Your Refinance
Step 6
You Provide Required Documentation and We Order Appraisal
Step 7
We do a Final Underwrite
Step 8
We are Issued a Clear to Close
Step 9
We Schedule Your Closing with Title Company
Step 10
Title Company Prepares Your Closing Documents and Executes Closing
Step 11
Your 3 Business Day Recession Period Starts
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Required Documentation for a Refinance
When You Apply to Refinance You Will Need to Provide the Following Documentation
| Refinance Loan | |
|---|---|
| Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | |
| Most Recent 30 days of Pay Stubs with YTD Gross Earnings | |
| Most Recent 2 Months of Bank Statements (all pages) | |
| Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | |
| Signed Loan Application | |
| Driver’s License and Social Security Card | |
| Mortgage Statement or Coupons | |
| Other Documentation may be Required |
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Visit Us
Our Office Hours are Monday through Friday 9 AM – 5 PM
Contact Us
How Can We Help You?
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