Real Estate Loans

Home Equity Loans

Tap into the equity in your home to get the money you need and receive a tax break too (limitations apply, consult your tax advisor).  It's a smart alternative for debt consolidation, funding home improvement projects, auto purchases, paying tuition, and much more.  We offer repayment terms up to 15 years and there are NO closing costs* and NO annual fees.  The minimum loan amount is $10,000 and you may borrow up to 100% of your home's value less any existing liens.

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*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 Assistant Branch Manager 1719637
Karmeliz Camacho Member Service Representative 1775616
Taylor Carlson Assistant Vice President - Branch Operations 1305188
Naomi Cooper Lending Coordinator 1269568
Crystal Cruz Crespo Member Service Representative 1563036
Lynda Flanagan Member Service Representative 1095509
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
Alan R. Schumann, Jr. Vice President - Lending 718556
Kaci Stonier-Torres Branch Manager 1170147
Sarah Turner Member Service Representative 1772232
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* and NO application fees. The minimum credit line is $10,000.

Once approved for your HELOC, you’ll receive instructions on how 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 be available to you during the first ten years of the loan (draw period). Throughout that period, your minimum loan payment will only be the interest that is due each month; principal payments may be made at any time.

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 the next 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.

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

First Mortgage Loans

Ready to buy or refinance a home? We can help with great rates and lower fees. Hartford Federal offers several options.

Adjustable Rate
We offer 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 or call one of our branches to apply.

Rates    Apply

Fixed Rate 
We partner with Allanach Mortgage Group Corporation (NMLS# 2894) to offer fixed rate mortgages with terms up to 30 years. Click below to apply and for rates.

Rates  Apply