At Heartland Bank, we understand the importance of making thoughtful, informed financial decisions. Therefore, we’ve compiled several financial education tips, tools, and other resources to help you in your decision making process.

Helpful Resources

Identity Theft

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Checkbook Balancing

Click here to download

Basics of Budgeting

Click here to download

Teen's Guide to Banking

Click here to download

Road to Financial Responsibility

Click here to download


Click here to download

FDIC Electronic Deposit Insurance Estimator

Click Here

Loan Resources

Sample Loan Estimate

The Loan Estimate makes it easier to shop around and compare loan offers from multiple lenders. Our interactive sample form will help you double check the details and get definitions for terms used on the Loan Estimate. 

Explore a sample Loan Estimate

Sample Closing Disclosure

The Closing Disclosure helps you avoid costly surprises at the closing table. Use our interactive sample form to help you compare your Loan Estimate to the Closing Disclosure and make sure that you understand the reason for any differences. 

Explore a sample Closing Disclosure 

Owning a Home

This suite of tools and resources guides you through the process of getting a mortgage. It will help you explore interest rates in your area, understand loan options, and prepare you for closing. 

Visit Owning a Home

Your Home Loan Toolkit

This booklet takes you from budgeting to closing with worksheets, checklists, and conversation starters. You’ll get a copy when you apply for a home purchase mortgage, but you can also download a copy now. 

Download the toolkit 

Su conjunto de herramientas para préstamos hipotecarios: guía paso a paso

Reverse Mortgages

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Top Ten Things to Know about Reverse Mortgages

Click Here to download

Adjustable Rate Mortgages (ARMs)

Click here to download

Useful Websites