Personal Loans

Heartland Bank offers a broad range of personal loans and services to meet your financial needs. We have a variety of options with flexible terms and competitive rates. Our loan specialists are here to assist you in determining which loan is best for you. You can apply in person, online, mail, fax, or telephone. Either way you choose – we understand the importance of a quick loan approval.

Real Estate Loans
Home Equity Loans
Home Equity Line of Credit (HELOC)
Consumer/Installment Loans

As per the SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Heartland Bank's MLO (Mortgage Loan Originator) ID Numbers are as follows:

Heartland Bank   #704708
Randall M. Besch   #760315  
Kevin M. Black   #760379
Kathyrn I. Dorsey   #760383
Danette R. Nimke   #760387
John S. Rosenboom   #760389
Steven L. Tucker   #760399
Kirk R. Warnke   #760427

 

Real Estate Loans

Heartland Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Heartland Bank offers a FREE Pre-Qualification service to help you determine how much you can afford!  Print and complete the Pre-Qualification Application. If you have any questions in regards to filling out this application, please contact (866) 460-2800 for assistance. 

 

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(For paper format 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.)

Home Equity Loan

The equity you've built in your home or second home can open new possibilities for you: even though an equity loan is secured by your property, you can use the funds for almost anything! Looking to consolidate debt? Buy a vehicle? Finance education expenses? Make some home improvements? Check out equity loan options available to you from Heartland Bank. In many instances the interest you pay is tax deductible, so you'll save money on whatever large expenses may be in your plans. Consult your tax advisor for details.

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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(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.)

Home Equity Line of Credit (HELOC)

Personal line of credit with a fixed interest rate secured by your primary residence.

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.

 

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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.

Consumer/Installment Loans

Installment loans are one of the most convenient and flexible methods available to help you achieve your goals. They are not secured by real estate and have fixed interest rates which require monthly payments of the principal balance plus interest. Heartland Bank offers installment loans to individuals for household, family, and other personal expenditures, with a variety of payment plans to best accommodate your needs. We offer loans for:

  • Automobiles
  • Appliances
  • Boats
  • Furniture
  • Recreational Vehicles


Account Features Include:

  • Fixed interest rate for term of loan – Gives you peace of mind knowing rate will not change.
  • Varying loan terms which allows convenience to match monthly budget.
  • A Low down payment allows purchase without tapping into saved funds.

 

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

 

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At times, we may provide links to sites outside the control of our bank. We do not make any representations concerning the linked sites' contents or availability. You should review each site's privacy and information security policies carefully before you enter confidential information. 

Under the program for the FDIC Temporary Insurance Coverage for Transaction Accounts which runs through December 31, 2012, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Temporary Unlimited Coverage for Noninterest-bearing Transaction Accounts is in addition to and separate from the coverage available under the FDIC general deposit insurance rules. Learn More

Deposit and loan products offered by Heartland Bank, Member FDIC, EqualHousingLogoTrans15 Equal Housing Lender



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