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We offer a variety of loans for just about anyone. Whether you’re purchasing your first home or your last one, we can help you meet your goals!

First-Time Homebuyers
A whopping forty percent of homebuyers are first-timers! Watch our story about other first-time buyers and find out how to get started!

Home Equity Loans
A home equity loan from Heartland is the smart way to borrow! Learn more here.

Down Payment Plus Program
A down-payment and closing-cost assistance program for very low, low and moderate income home buyers funded by the Federal Home Loan Bank. Funds are available to qualifying borrowers through Heartland Credit Union and are paid on behalf of the borrower at the time of closing on a mortgage financed by Heartland. Some income-based restrictions apply.

Fixed Rate Mortgages
The simplest — your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

Adjustable Rate Mortgages (ARMs)
Offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

Jumbo Loans
Need to borrow more than $417,000? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.

Construction Loans
Building a home or thinking about building a home? We have a number of programs to help you finance the construction phase of your project. We can finance your home once it is complete, too. Check out our Construction Permanent Loans.

Construction Permanent Loans
Building a home or thinking about building a home? We make it easy with our construction permanent loans. One loan sees you through the building process, then finances your home for as long as you own it.

Smart Re-Fi Loan
Heartland’s Smart Refi is perfect for those who:

  • Want to borrow $150,000 or less and who owe less than 80% of the value of their home
  • Want to pay off their mortgage in 12 years or less
  • Want a low, competitive fixed rate
  • Want to pay lower closing costs to refinance. The Smart Refi loan typically has $349 in closing costs*


First-Time Buyer

Are you ready to buy your first home? Find out how to get started!

Learn More

Home Equity Loans

A home equity loan from Heartland is the smart way to borrow!

Get Started

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