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 no closing costs*, no annual fees, and no prepayment penalties!

Apply online by clicking the Apply button below.

Apply Now View Rates

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

Name Title NMLS ID
Hartford Federal Credit Union   637693
Kitty Arnold Branch Manager 1175095
Shamim Bhatti Branch Manager 776750
Tania Bula Member Service Representative 1719637
Amanda Caraballo Member Service Representative 0874751
Karmeliz Camacho Member Service Representative 1775616
Taylor Carlson Assistant Vice President - Branch Operations 1305188
Michelle Chase Vice President - Operations 865825
Naomi Cooper Lending Coordinator 1269568
Jessica Dziob Assistant Vice President - Marketing & Business Development 417409
Candice Fairweather Member Service Representative 1777300
Lynda Flanagan Member Service Representative 1095509
Tyrahn Franklin Member Service Representative 1881418
Benjamyn Frye Branch Manager 963464
Octavia Gaines Lending Manager 1086900
Kecha Gardner Branch Manager 776752
Brenda Glazier Member Service Representative 1699350
Chris Mastroni Vice President - Lending & Compliance 741547
Mark A. Petrucci Branch Manager 1200787
Rosemarie Pelletier Member Service Representative 1371482
Charena Sinclair Member Service Representative 1231703
Kaci Stonier-Torres Branch Manager 1170147
Tatiana Williams Marketing & Business Development Coordinator 1185645
Greg Zeliff Vice President - Lending & Compliance 510610


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.

Apply Now View Rates

*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