Kansas Mortgage and Home Loans | Heartland Credit Union

Home loans built for you

Flexible options, expert guidance, and savings that make homeownership easier

Your home loan, your way.

At Heartland Credit Union, we’re more than just a lender—we’re your home-buying partner. Whether you're a first-time buyer or building your dream home, our wide range of loan options, lower closing costs, and personalized support are designed to help you save money and move in faster. Let’s find the loan that fits your life, not the other way around.

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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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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.

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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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Why home loans are better at Heartland

We're in your corner from the first question to the final signature. As a member-owned credit union, we're built to serve you, not shareholders, which means honest guidance, straightforward options, and a team that's genuinely invested in getting you into the right home.

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Expert guidance from start to finish — We’ll be with you from pre-approval to closing.

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Flexible options for your goals — A wide range of loans tailored to your unique needs.

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Savings where it counts — Lower closing fees and on-time closings to get you home sooner.

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Have an HCU representative contact you about a home loan.

Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

Our team is ready to help you find home.

Our local lending team is here to guide you through every step — from figuring out what you can afford to handing over the keys. Get to know the people who'll be with you along the way.