Mortgages, Home Equity Loans, HELOCs and Other Personal Loan Options
Life’s big events -- purchasing a home, getting a new car or paying for home improvement projects -- often require more money than you have on hand. From mortgages and home equity loans to installment and student loans, Heartland Bank is here to help you plan for and achieve the big things in life.
Mortgages from Heartland Bank
The American Dream has always included owning your own home, whether it has a white picket fence or a great view of open country. The right mortgage helps make it possible.
The mortgage lenders at Heartland Bank help you identify the mortgage program that is right for your needs and cash situation. From fixed-rate and adjustable-rate mortgages to needs-based mortgage programs, Heartland Bank is here to help you make homeownership a reality. See our mortgage rates and start your mortgage application in our online Mortgage Center.
Home Equity Loans and Lines of Credit (HELOCs)
Put the power of your home’s equity to use to consolidate debt, renovate your home or pay for a variety of other expenses. Home equity loans and home equity lines of credit, also called HELOCs, allow you to finance all sorts of needs.
There are a few differences between these two financing options:
- A home equity loan provides you with the cash you need in a lump sum. Your interest rate and monthly payments are fixed allowing for easier budgeting. Interest payments made on a home equity loan may be tax deductible (consult your tax advisor).
- A home equity line of credit is a revolving line of credit with a pre-established limit for you to draw on when you need it. This creates a flexible repayment schedule based on the balance of your HELOC. A fixed rate on your home equity line of credit assures you that your rate will not change.
We can help you understand the differences between home equity loans and home equity lines of credit to figure out which is best for you.
Home Equity Loan Application
Personal Loans- Installment Loans
Need a new car, boat, major home appliance or furniture? Personal financing in the form of installment loans are available at Heartland Bank. They can be used to purchase a new vehicle, boat or recreational vehicle for more fun on the road or on the water. Personal installment loans can also be used to purchase a washer, dryer or other large home appliance, as well as larger, expensive pieces of furniture.
These loans come with a fixed interest rate for the life of the loans, and the loan terms can be tailored to meet your financial needs. Low down payments allow you to make your purchase without having to dip into your savings account.
Consumer Loan Application
Start Your Application for a Loan from Heartland Bank
Applying for a loan at Heartland Bank is easy. Simply download, fill out and print any of our loan applications located on this page. You can then mail, fax or bring it by any Heartland Bank office to get started.