Home Sweet Home at Heartland

Great Mortgage Rates - And Great Mortgage Options

Welcome to Home Sweet Home with Heartland Bank! Recently, we reached out to let you know that you were preselected1 for an exciting offer on a new mortgage with us – an APR as low as 7.272%2 to buy a new home or reduce the monthly payments on the home you live in now. Plus, we agreed to waive up to $450 of your closing costs.3 We appreciate that you want to explore this amazing offer!

With a preselected Heartland Bank mortgage, you now have options…buy that bigger home you’ve had your eye on, downsize for retirement or get in on a lower payment for your current home. You might also consider refinancing for a lower rate or extra funds to make a few improvements. Whatever you choose, Heartland is ready with great rates and great options!

Here’s what we offer:

  • Conventional Fixed-Rate First Mortgage-same low rate for the life of your mortgage loan
  • Adjustable-Rate Mortgage (ARM)-low initial fixed term, offers flexibility
  • FHA/VA/USDA Mortgages-lower down payment options
  • Construction/Renovation Loans-build or renovate your dream home
  • Medical Professional Home Loan-low or no down payment without Mortgage Insurance for those who qualify

For local decision-making, a fast closing process, and dependable service, work with the people at the bank you already know. Contact Heartland’s mortgage professionals at (888) 649-3332, email Mortgage@Heartland.Bank or visit a branch. Please click below for the most current rates as the rates change often, or to apply online to purchase or refinance a home. Once you click on the application links below, you will be directed to a new page and asked to create an account.




1 We used information on you that we obtained from a consumer reporting agency in connection with this "Preselected" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Terms and conditions apply. Income verification required and your total monthly debt-to-income ratio (i.e., total monthly debt payments divided by your monthly gross income) cannot exceed 43%. Not all applicants will qualify for the lowest rate. 

2 APR=Annual Percentage Rate effective October 11, 2022, and may change based on market conditions and borrower eligibility. Subject to credit approval. Offer available for purchase or refinance on October 11, 2022. Must be primary residence. Property insurance required. The minimum approved loan amount is $35,000. The maximum approved loan amount is $647,200. Quoted 7.272% APR is a fixed-rate mortgage. Payments do not include applicable taxes and insurance. Actual obligation will be greater. APR is calculated based upon a purchase of $100,000 loan amount and an 80% Loan-to-Value (LTV) using typical Heartland Bank closing costs. Payment example would be $673.72 with an APR of 7.272%. Other conditions apply. 

3 Limited-time offer. Heartland Bank will pay up to a maximum of $4S0 in closing costs for a purchase or refinance with no cash out.