The big picture
Buying a home is one of life's biggest steps. And saving for a down payment often slows people down. A Heartland 100 home loan helps you move forward by offering 100% financing for qualified buyers. That means you can buy your home with zero money down, so you can focus on the home you love rather than the cash you've saved.
Why it matters
For many buyers, especially first-time homeowners, saving for a down payment is the hardest part of the journey. A Heartland 100 loan removes that barrier completely. And because the loan does not require Private Mortgage Insurance (PMI), you'll save money every month compared to other no-down-payment options — moving into homeownership sooner and with greater financial confidence.
The details
A Heartland 100 home loan is built to make your homebuying process smoother from your first question to closing day. Here's what you can expect:
- $0 down and 100% financing for qualified buyers
- No PMI required, lowering your monthly payment
- Fixed-rate terms available in 15-, 20-, and 30-year options
- Perfect credit not required, making it accessible for more buyers
- Guidance from an HCU Real Estate Loan Consultant from pre-approval through closing — someone who knows this market and will see it through with you
Eligibility
- Membership required
- Minimum credit score: 660
- Maximum debt-to-income ratio: 45%, with approved credit
Whether you're buying your first home or stepping up to a home that fits where you are in life, Heartland 100 gives you a way to move forward with confidence.
The bottom line
A Heartland 100 home loan removes one of the biggest barriers to homeownership by offering no money down, no PMI, and predictable fixed-rate stability. It's a straightforward, affordable way to get into your next home while staying on track financially.
Ready to get started?
Apply online, visit your nearest branch, or call 800.428.8472 to begin your homebuying journey with confidence.
Official Financial Wellness Partner Of Tiger Athletics
