HOUSTON, TX
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.
Years of Lending Experience
Loan Programs Available
Member-Owned Institution
Houston, TX | Community-Based Lending
Residential Home Loans
From your first home purchase to a strategic refinance, we make the mortgage process simple, transparent, and stress-free. Our members in Houston benefit from competitive rates, personalized service, and an education-first approach to every loan.
• Purchase & Refinance Options
• First-Time Homebuyer Programs
• Competitive Fixed & Adjustable Rates
Commercial Real Estate Financing
Scale your business and investment portfolio with financing solutions built for commercial properties. From small office acquisitions to multi-unit developments, we structure loans that match your vision and long-term growth objectives.
• Acquisition & Refinance Financing
• Owner-Occupied & Investment Properties
• Permanent, Bridge & Construction Loans
Foreign National Loan Programs
Investing in U.S. real estate from abroad? We specialize in helping international buyers secure financing for Houston properties — with flexible qualification requirements, multilingual support, and expert guidance from application to closing.
• No U.S. Credit History Required
• Flexible Income Documentation
• Houston Market Expertise
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
Get Started"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
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.
From First Conversation to Closing Day
Four clear steps. One expert team. Zero guesswork.
Discovery & Consultation
Share your goals and financial picture. We evaluate your situation and match you with the loan program that fits your life.
Loan Structuring
We design a financing plan around your goals — pairing the right product, terms, and timing to your future.
Application & Approval
Submit your application through our guided digital portal. We manage underwriting and keep you informed in real time.
Close & Fund
From commitment to closing table, we handle the details so you get the keys stress-free.
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.