A mortgage rate this small is big news.

It's your dream home. So why not get a dream interest rate. Right now, Heritage Bank is offering annual percentage rates as low as 3.19%.

And not only are our rates incredible, but so is our service. We've been the southern crescent's community bank for more than 55 years, providing personalized attention, giving back to the community, and helping local businesses grow.

So whether you’re looking to buy a new home or refinance your current one, let our knowledgeable loan officers assist you.

For great rates, great service, and great solutions, rely on your community bank.

Apply online today.

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Rates effective 1/29/2013 and are subject to change. Rate is for a 15-year fixed rate mortgage for a $200,000 loan as a
refinance with no cash out on a primary resident at 80% LTV (loan to value). Interest rate is 3.0% with 3.19% APR
includes a 1% origination fee and all applicable fees.