Houston, TX | Community-Based Lending

Your Community.
Your Credit Union.
Your Future.

Heritage Hub Federal Credit Union delivers trusted residential, commercial, and foreign national home loan solutions — backed by 20+ years of mortgage expertise through our partnership with ZipBuy Home Loans.

20+
Years of Lending Experience
3+
Loan Programs Available
100+
Member-Owned Institution

Our Loan Programs

Financing Solutions Built for Every Buyer

Whether you're purchasing your first home, expanding your commercial portfolio, or investing from abroad — Heritage Hub has a loan program designed for you.

Residential Financing

Loan Scenario
  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • First-time homebuyer programs
  • Down-payment assistance
  • Bank-statement loans
  • 1099 loans
  • Profit-and-loss programs
  • Asset-depletion loans
  • Non-QM financing
  • HELOCs
  • Rate-and-term refinancing
  • Cash-out refinancing
  • Renovation loans
  • Residential DSCR loans

Program availability, licensing, underwriting, geographic eligibility, and qualification requirements may vary.

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Investment and Commercial Financing

Loan Scenario
  • DSCR loans
  • Fix-and-flip loans
  • Bridge financing
  • Ground-up construction
  • Rental portfolio financing
  • Multifamily financing
  • Mixed-use financing
  • Retail properties
  • Office properties
  • Industrial properties
  • Hospitality properties
  • Self-storage
  • Mobile-home parks
  • Land acquisition and development
  • CMBS financing
  • Owner-occupied commercial real estate
  • Permanent commercial financing

Program availability, licensing, underwriting, geographic eligibility, and qualification requirements may vary.

Apply Now

International Financing

Loan Scenario
  • Foreign-national mortgages
  • Foreign-national DSCR
  • Vacation-home financing
  • International investor financing
  • Luxury-property financing
  • ITIN programs
  • International bank-statement programs
  • Asset-depletion programs
  • Cross-border real estate financing

Program availability, licensing, underwriting, geographic eligibility, and qualification requirements may vary.

Apply Now

About Heritage Hub

A Credit Union Built on Community and Trust

Heritage Hub Federal Credit Union was founded on the belief that every member deserves access to fair, transparent, and community-focused financial services. As a member-owned institution based in Houston, TX, we put people before profit — offering home loan products that meet you where you are.

Through our partnership with ZipBuy Home Loans, backed by 20+ years of mortgage industry experience, we bring cutting-edge residential, commercial, and foreign national lending solutions directly to our members — with the personal care and accountability of a local credit union.

20+ Years Experience Member-Owned Institution
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"Buying a home is one of life's biggest decisions. We're here to make it the right one — with real people who truly care."

— ZipBuy Home Loans

Why Heritage Hub

The Heritage Hub Difference

We combine the warmth of a community credit union with the power of a seasoned mortgage lending partner.

Member-Owned

No shareholders, no outside pressure. Every decision we make is in the best interest of our members.

Fast, Transparent Process

No hidden fees. No teaser pricing. Just clear, honest guidance from application to closing.

Foreign National Expertise

One of the few credit unions offering a dedicated international buyer loan program in the Houston market.

Local Roots, National Reach

Houston-based team with deep local knowledge, backed by a lending network with 20+ years of national experience.

Education-First Approach

We believe informed members make better decisions. We guide you every step so you always know where you stand.

Trusted & Accredited

NMLS licensed, BBB accredited, and proud members of NAMB, FAMP, NAR, and NAREB.

Our Process

From First Conversation to Closing Day

Four clear steps. One expert team. Zero guesswork.

1

Discovery & Consultation

Share your goals and financial picture. We evaluate your situation and match you with the loan program that fits your life.

2

Loan Structuring

We design a financing plan around your goals — pairing the right product, terms, and timing to your future.

3

Application & Approval

Submit your application through our guided digital portal. We manage underwriting and keep you informed in real time.

4

Close & Fund

From commitment to closing table, we handle the details so you get the keys stress-free.

Our Recent Closings

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Ready to Begin? Let's Talk.

Fill out the form below and a Heritage Hub loan specialist, powered by ZipBuy Home Loans, will reach out within 1 business day.

(832) 941-9122
info@heritagehubfederal.org
2645 Winrock Blvd, Houston, TX 77057