Mortgage Loans
NMLS #491613
WFCU 1st & 2nd Mortgages
1st Mortgages
Wheatland FCU can lend up to 80% loan-to-value of your primary residence, with a maximum loan amount of $250,000. We can lend up to 70% loan-to-value for an investment property, with a maximum loan amount of $50,000. Terms available up to 180 months.
2nd Mortgages
Wheatland FCU can lend up to 80% loan-to-value of your primary residence, with a maximum loan amount of $250,000. We can lend up to 70% loan-to-value for an investment property, with a maximum loan amount of $50,000. Terms available up to 120 months.
Terms, conditions, fees & restrictions apply.
Types of Mortgage Loans
Wheatland FCU’s Extended Opportunities Mortgage Program through First Heritage Mortgage Services provides additional mortgage financing options. Through our partner we offer a variety of mortgage products and services, including programs for first time home buyers. The programs available today are:
However, obtaining a one-year adjustable rate mortgage can allow the member to qualify for a loan amount that is higher and therefore acquire a more valuable home. Many homeowners with extremely large mortgages can get the one-year adjustable rate mortgages and refinance them each year. The low rate lets them buy a more expensive home, but they pay a much lower mortgage payment.
The loan is rather risky because the payment can change from year to year in significant amounts.

Ready to Apply?
For more information, call our in-house mortgage department or contact our Wheatland FCU Representative at First Heritage.
Wheatland FCU Mortgage Department: 717-898-7673, option #3 or loans@wheatlandcu.com.
Patrick Konen, Loan Officer, First Heritage Mortgage Services
NMLS #147386
pkonen@firstheritage.org
1-800-808-2662 ext. 52446