Home Loans

HCU makes home buying easier with friendly advice and great ways to save. We offer a wide variety of loans to fit your needs, from First-time Homebuyer grants and programs to construction and Jumbo loans. And you’ll work with expert Real Estate Loan Consultants to help you through the home-buying process from pre-approval to closing. Whether you’re a first-time homebuyer or looking for your dream home, we're ready to welcome you home.

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Our Home Loan Commitments

We'll be alongside you with expert advice from pre-approval to closing.

A wider range of home loan options to fit unique circumstances and your financial goals.

Lower closing fees help you save when it matters most.

On-time closings, with fewer surprises or delays, to get you in your home sooner.

"HCU made the home-buying process easy on me."
- Heath S.
Member since 2023

Learn More About Home Loan Options at Heartland

Conventional Loans

We offer simple home loan solutions with different options to fit just about anyone’s situation.

FHA Loans

A great low-cost option for first-time homebuyers. Let us help guide you through the process.

VA Loans

For our active-duty, or qualifying veterans and spouses, VA Loans can make getting into your new home easier.

Rural Development Loans

For members looking to live in a rural community, these loans feature a variety of money saving options.

Jumbo Mortgage Loans

When you’re ready to purchase your dream home, we’re ready to help. Similar to other loans, Jumbo loans provide more purchasing power.

Heartland 100

We understand saving for a down payment can be difficult. Let us help with our no-down payment, 100% financing option.

Bridge/Swing Financing

Found the perfect home but haven’t sold yours yet? Bridge financing can provide the down payment you need to make the move.

Construction Loans

Ready to build the home of your dreams? Our residential construction loans are simple and flexible.

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.

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.

More Reasons Why Our Members Love The Heartland Way

"We wouldn't be in this home without you."
- Brett & Hayley K.
Members since 2013