Refinance Your Mortgage with Heartland

Your Home is Local. Your Bank is Local. Is Your Mortgage?


If your mortgage is not at Heartland Bank, now is the perfect time to consider a community-minded bank with great rates and exceptional service. 

Your home refinance is simple with us. We offer a worry-free application process, a fast turn-around time, competitive rates, and our team of expert community bankers will be by your side with personalized service from the beginning to the very end.


Refinancing is a great option if you’re looking to…


Reduce your interest rate

Interest rates can change. So can your cash flow or your home’s value. Refinancing your mortgage to a lower rate mortgage can result in significant savings over the life of the loan.

Shorten your loan term

If you shorten your mortgage term, a side benefit is often a lower interest rate, thus you may experience only a slight increase in your payment with a large decrease if the number of years you are required to pay.

Use your home equity

You have worked hard to build equity in your home over the years, now might be the time to use this equity to consolidate debt or make that large purchase you’ve been eyeing. Our team of Mortgage professionals will help determine what options are available to fit your needs.

Change from a variable rate to a fixed rate loan

With a fixed rate mortgage, the monthly principal and interest payments remain the same for the term of the loan. Fixed rates are best for buyers who plan to make their house purchase a long-term investment – a house that will be your forever home!


Come on over to Heartland!

At Heartland Bank, we’re committed to helping you find the right mortgage product that meets you needs. Refinance your mortgage today! Contact your local branch banker here or start the process by applying today!


* Valid on new applications only. The client will receive a closing cost credit on their closing disclosure in the amount of $250.00. This offer is only available to Heartland Bank clients. This is not a commitment to lend. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. Member FDIC NMLS# 440231 Equal Housing Lender

Open your house to new possibilities! Refinance your mortgage with Heartland at today's low rates - $250 off closing costs on mortgage loan with automatic payment deduction from your Heartland Bank checking account!