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Loans
 
Heartland Bank can help you with all your financing needs. We offer a variety of loans with flexible terms and great rates. Our loan specialists will help you determine what type of loan is best for you. Whether you apply in person, online, by mail, fax or telephone, we know the importance of quick loan approvals.
Real Estate Loans
Heartland Bank offers both long term fixed and adjustable rate mortgages. We know that one mortgage does not fit all. Our loan specialist will help you decide what mortgage best suits your needs.
Use our mortgage loan calculater to estimate what your monthly payments will be.
  Mortgage Loan Calculator
Not sure what you can afford, try our FREE prequalification service.

 Printable FREE Prequalification Application
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Home Purchase Home Refinance New Home Construction
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If you are looking for a new home, need preapproval, refinancing, or building a new home, Heartland Bank can help. Simply complete an application and submit it online, by mail, by fax, or in person. If you have any questions, please call our toll free number at 1-866-460-2800.


 Online Real Estate Loan Application *

Printable Real Estate Loan Application
  (Complete and fax to 712-469-2509 or mail to: Heartland Bank, PO Box 730, Manson, IA 50563 or deliver in person to any one of the four Heartland Bank locations.)
* DISCLAIMER:
Heartland Bank provides links to other web sites for convenience and informational purposes only. Users should be aware that when they select a link on the bank's web site to an external web site, they are leaving the bank's web site.

These web sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from Heartland Bank.

Linked sites are not under the control of Heartland Bank and Heartland Bank is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. The inclusion of a link does not imply endorsement by Heartland Bank of the site, its content, advertisers or sponsors.
 
Home Equity Loans
There has never been a better time to use your home’s equity for those everyday purchases. A home equity loan can be used for major purchases such as an automobile, home improvement, college education, vacations, or just about any large-ticket item. With a home equity loan, you receive a low rate of interest plus the interest you pay may be tax deductible (consult your tax advisor). Ask our loan specialist which home equity is right for you.
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HOME EQUITY LOAN
Personal loan with a fixed interest rate for those one time purchases secured by your primary residence.

 Printable Home Equity Loan Application
  (Complete and fax to 712-469-2509 or mail to: Heartland Bank, PO Box 730, Manson, IA 50563 or deliver in person to any one of the four Heartland Bank locations.)
  Account Features:
 
  • Fixed interest rate for term of loan gives peace of mind knowing rate will not change.
  • Fixed Monthly Payment which helps monthly budgeting.
  • Interest paid may be tax deductible (consult tax advisor).
  • Consolidate debts into one monthly payment which may save money.

Certain fees may apply. Ask a loan specialist for details.
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HOME EQUITY LINE OF CREDIT (HELOC)
Personal line of credit with a fixed interest rate secured by your primary residence.

 Printable Home Equity Line of Credit (HELOC) Application
  (Complete and fax to 712-469-2509 or mail to: Heartland Bank, PO Box 730, Manson, IA 50563 or deliver in person to any one of the four Heartland Bank locations.
  Account Features:
 
  • Fixed interest rate for term of loan gives peace of mind knowing rate will not change.
  • Funds available when you need them with quick access.
  • Interest paid may be tax deductible (consult tax advisor).
  • Flexible repayment schedule based on balance of loan.
  • Consolidate debts into one monthly payment which may save money.
  • Loan may be repaid at your option with no prepayment penalty.

Certain fees may apply. Ask a loan specialist for details.
 
Consumer and Installment Loans
Loans with a fixed interest rate which usually require monthly payments of principal plus interest. The loan may be secured or unsecured. Some fees may be required for filing collateral liens or documentation charges. Please ask a loan specialist for details.
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  • Automobiles
  • Appliances
  • Boats
  • Furniture
  • Recreational Vehicles

Consumer Loan Application (Printable Format)
Account Features:
  • Fixed interest rate for term of loan gives peace of mind knowing rate will not change.
  • Varying loan terms which allows convenience to match monthly budget.
  • Low down payment allows purchase without tapping into saved funds.
 
Agriculture and Commercial Loans
  • Working Capital
  • Farm Operating
  • Inventory
  • Real Estate
  • Purchase Equipment
  • IADA Beginning Farmer
  • SBA Loans
 
PATRIOT ACT NOTICE:

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Please note that paperwork for all approved loans must be signed and completed at a Heartland Bank location.
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