Mortgage Loans

Heartland Bank helps you find your way home. Our professionals will tailor a mortgage to fit your specific needs using one of our in-house or secondary market lending programs.

Have questions about our different mortgage loans? Try our handy financial calculators or visit our Resources page for more information.

Conventional Fixed Rate Loans

The rate is locked in for a specific term for equal payments throughout the life of the loan.

Adjustable Rate Mortgages (Variable Rate Loans)

A mortgage that does not have a fixed interest rate. The rate changes during the life of the loan based on movements in an index rate, such as the rate for Treasury securities or the Cost of Funds Index. ARMs usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates increase, generally your loan payments increase; and when interest rates decrease, your monthly payments may decrease.

Jumbo Mortgage Loans

For loans that exceed the limits set by Fannie Mae and Freddie Mac. Allows the borrower the ability to get one mortgage loan over the conventional limit vs. a first and second mortgage. Mortgages over $424,100 qualify as a jumbo mortgage. Available as both fixed or adjustable rate mortgages in a variety of terms.

FHA Loans

Federal Housing Administration loans provide fixed and adjustable rate financing options with lower down payment options.

VA Loans

United States Department of Veterans Affairs offers fixed and adjustable rate financing for veterans and other borrowers who meet the eligibility requirements of the VA program.

Rural Development Loans

Also referred to as United States Department of Agriculture (USDA) loans. Loans offering up to 100% financing for qualified rural areas.

Large Acreage Loans

Do you have more acreage than the traditional home owner? Our large acreage loan program allows you to mortgage your home with up to 100 acres attached.

Reverse Mortgages

A special loan program for seniors over the age of 62 who occupy the property as a primary residence. Allows seniors access to the equity in their homes without having to make monthly payments, but the borrower continues to be responsible for paying taxes and insurance on the property. Loan is not due and payable until the last borrower permanently leaves the home.

Construction to Permanent Loans

Up to 12 months, interest-only payments during the construction phase, followed by permanent financing through the secondary market.

Bridge/Interim Loans

Short-term financing that bridges the gap between selling your current home and purchasing your new home by allowing you to access the equity in your existing home.

All loans are subject to application and credit approval.

Contact us today to learn more.

Nationwide Mortgage Licensing and Registry System

  • Heartland Bank #552235
  • Billy D. Hargett, Jr. #758986
  • Donna LuAnn Keedy #1537344
  • Phillip Ray Thomas #755792
  • Chay Vang #555511