We'll help make home ownership a reality!

You’ve got big dreams. And one of them is a new home to call your own. At Heartland Bank, we want to help make your dream come true by working with you to find a mortgage that makes the most sense for you. That’s the focus of our Heartland Hometown program.

Benefits include:

  • No down payment required if you qualify for the program 
  • 360 Month, fixed rate loan with low monthly payments
  • No private mortgage insurance (PMI) required
  • Gift or grant is allowed if needed


Want to see if you qualify? Fill out the form below and our mortgage team will reach out with additional information.


Your Mortgage Starts Here! Apply Now!

Heartland Hometown

An example monthly payment for a $215,000 loan for a 30-year, fixed-rate term with an Annual Percentage Rate (APR) of 7.278% as of 06/10/2024, would be 359 payments of $1,466.68 and one final payment of $1,465.83. The actual amount will be greater as the example payment does not include an applicable taxes and insurance premiums. Minimum credit score of 660 to qualify. Applicants will need to take a home-ownership class, This special loan program is for applicants that are purchasing a home in a low to moderate income census tract or for applicants with low to moderate income. All mortgage applications are subject to credit review and approval. Actual rates may vary based on credit history. Other terms and conditions apply. Contact your nearest branch location for details. *PMI=Private Mortgage Insurance