Thank you for your interest in Heartland Credit Union's home loans.  We offer a variety of loans to meet your goals, whether you're purchasing your first home or your last one.      

Jeffrey D. Rauch
NMLS #517356
Residential Lending Manager

Susan F. Hoerth
NMLS #500660
Residential Mortgage Lender

April Y. Oshiro
NMLS #517358
Residential Mortgage Lender
Email Jeff Email Susan Email April


Current Rates Make a home loan payment

We love first-time home-buyers!

Why Choose Heartland?

  • We offer competitive rates and low closing costs.
  • We have knowledgeable and experienced loan officers.
  • We offer escrow waivers for qualified loans.
  • We offer the Down Payment Plus Program for very low, low and moderate income home buyers.
  • You can apply online anytime and get pre-approved.

Home Loans for Just About Everyone

First-Time Home Buyers Watch our story about other first-time buyers and find out how to get started

Down Payment Plus Program, a down-payment and closing-cost assistance program for very low, low and moderate income home buyers funded by the Federal Home Loan Bank. Funds are available to qualifying borrowers through Heartland Credit Union and are paid on behalf of the borrower at the time of closing on a mortgage financed by Heartland. Some income-based restrictions apply.

Fixed rate mortgages are the simplest — your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

Adjustable Rate Mortgages or ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

Jumbo Loans Need to borrow more than $417,000? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.

Construction Loans Building a home or thinking about building a home? We have a number of programs to help you finance the construction phase of your project. We can finance your home once it is complete, too. Check out our Construction Permanent Loans.

Construction Permanent Loans Building a home or thinking about building a home? We make it easy with our construction permanent loans. One loan sees you through the building process, then finances your home for as long as you own it.

Smart Re-Fi Loan Heartland's Smart Refi is perfect for those who:

  • Want to borrow $150,000 or less and who owe less than 80% of the value of their home
  • Want to pay off their mortgage in 12 years or less
  • Want a low, competitive fixed rate
  • Want to pay lower closing costs to refinance. The Smart Refi loan typically has $349 in closing costs*


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*$349 plus any prepaids due at closing. Must be primary residence or owner occupied. Appraisal or additional title extra if required.