Home Loans

We're here to help you get from where you are to where you want to be.

As a credit union anchored in the values of the Heartland, our home lending team are mortgage lending experts. We guide first-time home buyers — and all borrowers — through the lending process by reviewing current mortgage rates and comparing home financing options. Heartland can provide advice on how to raise your credit score or save for a down payment. And we offer a broader range of home loans than typical lenders, so you can move forward with both a house, and a loan, that fits your life.


Pre-Qualify Today. Heartland Credit Union is ready to help with your next move. It’s the Heartland way.

Our Home Loan Commitments

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 Faster pre-approvals for timely, stronger offers and confidence in your next step.    A wider range of 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.




Conventional Home Loans

Conventional Loans

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

FHA Home Loans

FHA Loans

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

VA Home Loans for veterans

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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Rural Development Loans

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

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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.

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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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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.

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Construction Loans

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

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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.