Home Loans

We're here to help you get from where you are to where you want to be.

As a credit union anchored in the values of the Heartland, our home lending team are mortgage lending experts. We guide first-time home buyers — and all borrowers — through the lending process by reviewing current mortgage rates and comparing home financing options. Heartland can provide advice on how to raise your credit score or save for a down payment. And we offer a broader range of home loans than typical lenders, so you can move forward with both a house, and a loan, that fits your life.

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Pre-Qualify Today. Heartland Credit Union is ready to help with your next move. It’s the Heartland way.

Our Home Loan Commitments

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 Faster pre-approvals for timely, stronger offers and confidence in your next step.    A wider range of loan options to fit unique circumstances and your financial goals.   Lower closing fees help you  save when it matters most.    On-time closings, with fewer surprises or delays, to get you in your home sooner.

 

 

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Conventional Home Loans

Conventional Loans

We offer simple home loan solutions with different options to fit just about anyone’s situation.

FHA Home Loans

FHA Loans

A great low-cost option for first-time homebuyers. Let us help guide you through the process.

VA Home Loans for veterans

VA Loans

For our active-duty, or qualifying veterans and spouses, VA Loans can make getting into your new home easier.

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Rural Development Loans

For members looking to live in a rural community, these loans feature a variety of money saving options.

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Jumbo Mortgage Loans

When you’re ready to purchase your dream home, we’re ready to help. Similar to other loans, Jumbo loans provide more purchasing power.

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Heartland 100

We understand saving for a down payment can be difficult. Let us help with our no-down payment, 100% financing option.

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Bridge/Swing Financing

Found the perfect home but haven’t sold yours yet? Bridge financing can provide the down payment you need to make the move.

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Construction Loans

Ready to build the home of your dreams? Our residential construction loans are simple and flexible.

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First Time Homebuyers

You’re ready to step into homeownership, but aren’t sure where to start. We’re here to help guide you each step of the way.