Personal Banking

Mortgages

Let HCB Mortgage Company help you open the door to your new home! We offer several affordable and flexible mortgage options so you’ll be sure to find one that fits your needs and helps you realize your dream of home ownership.

Loan TypeKey Features
Fixed Rate Conventional
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Traditional 15, 20, and 30 year fixed-rate mortgages with extremely competitive rates and flexible terms.
Bi-weekly Mortgage
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Pay your home off more quickly by making half your mortgage payment every two weeks, effectively making 13 monthly payments per year.
Adjustable Rate Mortgage
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Traditionally lower initial interest rate and lower monthly payments than a conventional mortgage.
FHA Loans
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Lower down payment requirements and lenient credit standards.
Construction Loans
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Financing for new home construction.


What You Need for a Mortgage Application

The Nationwide Mortgage Licensing System and Registry offers NMLS Consumer AccessSM, which is a free service for consumers to confirm that the bank or mortgage company and the mortgage professional with whom they wish to conduct business are registered with the federal system or licensed, if required, in the state in which they conduct business. To access this free service please go to http://www.nmlsconsumeraccess.org/. View a listing of Hastings City Bank Loan Originators and their National Mortgage Licensing System (NMLS) unique IDs by clicking here.