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Loan Options
Heartland Bank Mortgage offers a wide range of financing options. Whether you are buying a home, refinancing your present one or planning to build or renovate, we have a loan that meets your specific needs.
| Choose the loan that's right for you. Below are a few of our most popular programs: | Easier Qualifications |
Lower Equity / Down Payment |
Rate Security |
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FHA Loans These government insured loans are more popular than ever, offering flexible credit guidelines and the ability to borrow up to 97% of the value of your home. FHA 203 (k) Finance an additional $35,000 to pay for property repairs or improvements before you move in. |
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| Conventional Loans As a direct seller to Fannie Mae, Ginnie Mae and Freddie Mac, we offer a wide variety of Fixed and ARM loan options. |
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| VA Loans Available to active military and veterans. Zero down payment and 100% refinancing available. |
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| USDA Rural Loan Program Zero down payment and 100% refinancing available in qualified rural communities. |
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| Jumbo Loans Loans from $417,000 to over $1,000,000. We offer a wide variety of Fixed and ARM Jumbo loan options. |
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| 6 Month Rate Lock Lock in one of today's low rates and rest easy your rate is secure for 6 months. If rates go down, you have a 1 time opportunity to "float" down and lock in the lower rate. |
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| Interest Only Loans Make "interest only" payments on the principal balance of your loan each month for the first 10 years. |
If you're not concerned about building equity, you could realize significant savings each month. More attractive with higher loan amounts. | | ||
| Bridge Loans Temporary loans used as a down payment source for the purchase of a new home, secured by an existing home. |
A great option if you're ready to purchase a new home and don't want the added pressure of having to immediately sell your existing home. | | ||
| Authorized Proloan Lender Proloan is a financing program that provides free extended protection against rising interest rates, exclusively to buyers of new homes built by skilled union craftsman. |
Lock in your rate for up to 180 days and if rates decline, you can float down to the new lower rate at no charge. | | ||
| Construction Loans We specialize in making construction loans by offering flexibility in the mortgage process. |
Just have your plans, complete estimates, survey, construction agreement and building permit in hand, and you're ready to apply. | | ||
