Making home-buying easy
One of the hardest things about buying a home is saving for a downpayment. With a Heartland 100 Home Loan from HCU, you don't have to. We make getting into your new home easy by financing 100% of the purchase price, whether it's your first home or your third home.
Your Heartland 100 loan will always be serviced by Heartland Credit Union. Make your payments at any HCU branch and talk to local staff in your community.
We'll provide the home loan solution that works for you and your budget. You can choose from 15, 20 and 30-year terms.
GREAT OPTION FOR FIRST-TIME HOMEBUYERS
Now you don't have to wait 5 years to save up a downpayment. Find your perfect home, move-in, and start building your future today.
WITH YOU EVERY STEP OF THE WAY
Our team of Real Estate Loan Consultants will work with you through the entire home-buying process. From pre-approval to closing, our experts will be there with advice and updates to make the process comfortable for you.
Minimum borrower contribution of 1% of purchase price toward closing costs/prepaid items. Bona fide gift or grant funds may be used for closing costs or prepaid items. Minimum credit score of 700. Maximum debt-to-income ratio of 42%, with approved credit.