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Open the door to what's next! 

Whether you're dreaming of homeownership, home improvements, or financial freedom, let's work toward your goals together! 

Apply for a Home LoanApply for a Home Equity Line of Credit

Find a home loan built for you.

With loans for first time homebuyers and low or no down payment options, our mortgage loan experts are here for you from application to closing! 

Size Up Your Options

Tackle home improvement projects.

Already a homeowner? You may be able to utilize your home's equity to finance a remodel.  

Go Big and Go Home

Set yourself up for success.

With educational resources to get you started and experienced home lenders by your side from start to finish, we're in your corner!

Home Ownership 101

Find the Type of Loan Best Suited for You

  • Fixed Rate Mortgage

    • Various Rates and Term Lengths
    • For purchasing or refinancing a home
    • Fixed for the life of the loan (ideal if you plan to put down roots for several years)

  • Adjustable Rate Mortgage

    • Various rates and term lengths
    • For financing or refinancing a home
    • Fixed for initial terms, adjustable thereafter

  • First-Time Homebuyer

    • Stable monthly payments with fixed-rate mortgages
    • Low down payment options available
    • Free pre-qualification
    • Special programs for Ohio and Kentucky homebuyers
    • Ask about programs with reduced closing costs

  • Jumbo Loans

    • Higher than traditional loan amounts
    • Perfect for buyers with a lower debt-to-income ratio, higher credit score and larger down payment
    • Flexible terms
    • Available for primary and secondary residences

  • Low Down Payment

    • Low or no down payment options for eligible borrowers
    • USDA Rural Development and Federal Housing Administration (FHA) loans
    • Government-backed mortgage with flexible lending requirements
    • Available for owner-occupied, one-unit, primary residence only

  • Second Home & Investment Properties

    • Financing for conventional and jumbo mortgage loan limits
    • Construction and renovation loan programs available
    • Fixed for the life of the loan or adjustable over time
    • Available for owner-occupied, one-unit and multi-unit properties

  • Veterans Assistance (VA)

    • Great rates for America's heroes
    • Home financing with no money down
    • Competitive interest rate and flexible credit qualifications
    • Available for owner-occupied, one-unit, primary residence and VA-approved condos
Matt Booms

Questions? We have answers! 

Turn to the experts at Heartland Bank as you make plans and prepare your budget.

Meet our Mortgage LendersApply Now

Home Ownership Insights

  • The Importance of Pre-qualifying for a Loan

    Whether you’re a first-time home buyer, thinking about building, or taking steps towards purchasing an investment property, it’s important to start the process by being well prepared.  

    Read More

  • Improvement Projects to Boost Your Home's Value

    If you are thinking about starting some home improvement projects, you can be strategic about which ones to tackle first.

    Read More

  • Navigating the First Time Home Buying Process

    Searching for your first home can be an exhilarating, yet overwhelming time in your life. If you are having trouble with where to start, you are not alone.  With some guidance and organization, German American can help you be on your way to owning your first home. Here are some simple steps to get you started.

    Read More

  • 5 Important Questions When Choosing Your First Home

    Moving into your own place can be exciting and frightening at the same time. The American Bankers Association suggests considering the following questions when choosing your own home.

    Read More

  • 6 Tips for Saving for Your Down Payment

    Before making the transition from renting your home to owning your home, it is important to start saving for a down payment, typically 5 to 20 percent of the home’s value. Check out some helpful tips from the  American Bankers Association on how to save for it. 

    Read More
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© 2025 Heartland Bank . All rights Reserved

Routing Number #:
German American Bank - 083904563
Heartland Bank, a division of German American Bank - 044109336

Call Us
(800)697-0049
Bankline 24
(800)536-0660
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(800)697-0049, ext 2500
Equal Housing Lender FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2025 Heartland Bank . All rights Reserved

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