The Heritage Financial CU is a mortgage from Heritage Financial CU. Loan terms: fixed 30, 20, 15 and 10 years; ARMs 7/6m and 5/6m. Conventional loans are one of the most common mortgage types. Conventional mortgages offer stability through fixed rates as well as flexibility through adjustable-rate options. While you can have as little as just 3% down payment, you can avoid paying private