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Mortgage Loans

Buying, Building, or Refinancing

Whether you're a first-time home buyer, upgrading to your dream home, or looking to lower your monthly mortgage payments, the home buying and application process can be an exciting and daunting process.

We’ve developed this site with resources, tools, and an online application to simplify and speed up this process for you.



Buying or Building

Are you looking to buy or build your next home? We’ll help you estimate how much you may be able to borrow. You can also get prequalified so you can shop for your new home with confidence.

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Refinancing your mortgage loan through Heartland Bank could help you consolidate debt or lower your monthly payment. It might just be the right time to refinance your home mortgage.

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Email Rate Watch

Sign up to have rates e-mailed to you. You may choose to have rates e-mailed to you when they reach your desired rate, or on a regular basis.

Email Signup

*Rates are based on a $200,000 purchase loan for a primary residence, no origination and no points, 80% LTV, 740 credit score and 60 day lock. Rates are subject to change without notice. Subject to borrower qualification, property qualification, loan type, loan amount and lender approval.

First-Time Home Buyers

Brandon & Kacee Thompson share their experience of buying their first home.

View Their Story