HERITAGE HUB FEDERAL CREDIT UNION ◆ 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.
Member-Owned Credit Union · NMLS #2522706 · Powered by ZipBuy Home Loans
Our Loan Programs
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
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.
Commercial
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.
Foreign National
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.
About Heritage Hub
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.
"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."
Powered by ZipBuy Home Loans
Our Process
Four clear steps. One expert team. Zero guesswork.
Share your goals and financial picture. We evaluate your situation and match you with the loan program that fits your life.
We design a financing plan around your goals — pairing the right product, terms, and timing to your future.
Submit your application through our guided digital portal. We manage underwriting and keep you informed in real time.
From commitment to closing table, we handle the details so you get the keys stress-free.
Why Heritage Hub
We combine the warmth of a community credit union with the power of a seasoned mortgage lending partner.
No shareholders, no outside pressure. Every decision we make is in the best interest of our members.
No hidden fees. No teaser pricing. Just clear, honest guidance from application to closing.
One of the few credit unions offering a dedicated international buyer loan program in the Houston market.
Houston-based team with deep local knowledge, backed by a lending network with 20+ years of national experience.
We believe informed members make better decisions. We guide you every step so you always know where you stand.
NMLS licensed, BBB accredited, and proud members of NAMB, FAMP, NAR, and NAREB.
Get Started
Fill out the form below and a Heritage Hub loan specialist, powered by ZipBuy Home Loans, will reach out within 1 business day.