Heartland 100 Home Loans

We understand that saving for a down payment isn’t easy. HCU makes getting into your new home easy with our 100% financing option.  Plus a Heartland 100 home loan doesn't require Private Mortgage Insurance (PMI). From pre-approval to closing, our Real Estate Loan Consultants will work with you through the entire home-buying process.

A Heartland 100 Home Loan provides 100% financing for qualified buyers.  Get into your new home now.
Heartland Home Loans are available with 30-year fixed rate terms so you know how much your house payment will be.
We do not require Private Mortgage Insurance with a Heartland 100 home loan, saving you money every month.

Heartland 100 Home Loan Features

  • $0 down, 100% financing
  • No Private Mortgage Insurance (PMI)
  • Fixed-rates with 15, 20, and 30-year terms
  • Great option for first-time buyers or someone buying their dream home
  • Perfect credit not required

Apply online for your HCU home loan, visit your nearest branch, or call our eBranch at 800.428.8472 to get started today.
*Membership required. Minimum credit score of 660. Maximum debt-to-income ratio of 45%, with approved credit.