Loans
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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,
by mail or the telephone, we know the importance of quick loan approvals.
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Applying For A Loan:
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- Applying for a Heartland Bank loan has never been easier. Simply complete an application from the type of loan you
are requesting and either mail, fax, or deliver in person. If you have any questions or prefer to work directly with
our loan specialists, please feel free to call our toll free number at 1-888-350-3181. We will be happy to assist you
in completing your application.
- Upon receipt of your completed application, a loan specialist will contact you within one business day.
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Overview of Available Loans:
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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.
You can expect quick and professional service in processing your application. Our
approach to mortgage lending is Real People/Real Service.
Mortgage Loan Calculator - Estimate what your monthly payments will be.
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Not sure what you can afford, try our FREE prequalification service.
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If you are actively looking for that new home, get credit preapproved with no obligation. Simply fill out an application and forward to a loan specialist.

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Real Estate Loan Application (Printable Format)
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If you intend to apply for joint credit, please include the following form with your application.
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Apply For Joint Credit Form (Printable Format)
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FIXED RATE
A mortgage that provides a fixed interest rate for the entire term of the loan. There are many terms available. Ask a loan specialist for details.
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ADJUSTABLE RATE
A mortgage that provides a variable rate of interest over the term of the loan. Ask a loan specialist for details.
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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.
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Contact us to request a Home Equity Loan Application.
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Account Features: |
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- 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.
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Contact us to request a Home Equity Loan Application.
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Account Features: |
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- 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.
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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
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- Furniture
- Recreational Vehicles
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| 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.
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- Working Capital
- Farm Operating
- Inventory
- Real Estate
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- Purchase Equipment
- IADA Beginning Farmer
- SBA Loans
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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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