Real Estate Loans

Home Equity Loans

Tap into the equity in your home to get the money you need! It’s a smart alternative for the savvy homeowner to consolidate debt, pay education expenses, or fund home improvement projects- big and small. Our low, fixed-rate Home Equity Loans are available for terms from five to fifteen years with a minimum loan amount of $10,000 and you may borrow up to 100% of your home’s value less any existing liens. There are options available that include no closing costs*, no annual fees, and no prepayment penalties.

*If loan is paid off within one year, reimbursement of closing costs and appraisal fee is required.

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Mortgage Refinance Special

You can also use a Home Equity Loan as a way to refinance an existing mortgage! Rather than a traditional mortgage, our Home Equity Special offers significant savings with lower closing costs and application fees than most traditional mortgages. Plus, you'll get the quality service and value that Hartford Federal Credit Union is known for!

Apply online by clicking the Apply button below.

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Name Title NMLS ID
Hartford Federal Credit Union   637693
Shamim Bhatti Branch Manager 776750
Nora Blondet Member Service Representative 1499794
Amanda Caraballo Member Service Representative 0874751
Taylor Carlson Branch Manager 1305188
Naomi Cooper Senior Loan Processor 1269568
Candice Fairweather Member Service Representative 1777300
Racquel Finello Lending Manager 1623119
Lynda Flanagan Member Service Representative 1095509
Tyrahn Franklin Member Service Representative 1881418
Octavia Gaines Assistant Vice President - Lending & Compliance 1086900
Matthew Hastava Assistant Vice President - Branch Operations 452755
Michael Lane Teller 2079397
Beth Mazza Vice President - Operations 1714335
Kanika Mehta Loan Processor 1939127
Jacki Olmstead Branch Manager 1816627
Mark A. Petrucci Branch Manager 1200787
Rosemarie Pelletier Member Service Representative 1371482
Imani Shelton Member Service Representative 2038525
Tarah Tiezzi Branch Manager 1588599
Tatiana Williams Member Service Representative 1185645


Home Equity Lines of Credit

With a Home Equity Line of Credit (HELOC), you can borrow up to 80% of your home’s equity at competitive rates with no closing costs*, no annual fees, and no prepayment penalties! The minimum credit line is $10,000.

With a HELOC, you will able to easily access your credit line. Each time a line transfer occurs (minimum transaction amount of $500), the amount will be added to your loan balance. Your line of credit will have a draw period of ten years, this means the line of credit will be available to you during the first ten years of the loan. At the end of the draw period, you will no longer be able to take advances unless a new line of credit is established. The remaining balance is then repaid over 15 years.

The Annual Percentage Rate (APR) for Hartford Federal’s HELOC is based upon the highest Prime Rate published in the Money Rate section of the Wall Street Journal. Your HELOC rate will fluctuate with the Prime Rate throughout the life of the loan.

Apply online by clicking the Apply now button below.

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*If line of credit is closed within one year, reimbursement of appraisal fee and closing costs is required.

Mortgage Loans

Hartford Federal Credit Union offers a variety of mortgage products so that you’re able to find the one that works best for you. Whether you’re looking to refinance an existing loan to get a better rate, a lower payment - or if you're in the market to purchase a new home – our Lending Specialists can recommend the best solution for you!

Fixed Rate 

Hartford Federal Credit Union now offers conventional fixed-rate mortgages with terms up to 30 years - with low closing costs and no prepayment penalties!

We also partner with Allanach Mortgage Group Corporation (NMLS #2894) to offer additional mortgage programs, including:

  • VA Loans
  • FHA Purchase
  • FHA 203K Rehab (Rehab your home before you move in!)
  • USDA
  • Home Ready Purchase & Refinance
  • Home Possible Purchase & Refinance
  • Home Style Rehab

Click below for more information.

More Information


Adjustable Rate

HFCU offers 1-3-5 and 7-year adjustable rate mortgages (ARMs), all with low closing costs and no prepayment penalties. We will loan up to 80% of your home’s value less any existing liens, for owner-occupied homes in Connecticut. Click below for rates.

Adjustable Rates