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Why Choose Heartland?
  • We offer competitive rates and low closing costs.
  • We have knowledgeable and experienced loan officers.
  • We offer escrow waivers for qualified loans.
  • You can apply online anytime and get pre-approved.
  • We love helping first-time home buyers get started.
  • We have a number of options – find out which is right for you.
  • We’re a USDA Guaranteed Rural Housing Lender – helping provide low and moderate–income households in rural areas the opportunity to own their own home.

Rate Tracker

Track our home loans rates with RateTracker! We will send you an email when the rate or payment requested becomes available.

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Our Lenders


Jeffrey D. Rauch
NMLS #517356
Vice President, Real Estate Lending

April Y. Oshiro
NMLS #517358
Residential Mortgage Lender

Nicole Mercedes Speaks
NMLS #1036507
Residential Mortgage Lender

Current Rates

Use Rate Tracker to notify you when a particular rate is available.

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Knowing your choices gives you the power to make good decisions.

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