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Mortgage

Buy, build or refinance your mortgage with our experienced team of lenders at your side.

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Buy a Home

Buy your dream home with financing from start to finish.

First home, second home or investment. Whatever type of mortgage you're looking for, you'll find it at Heartland Bank, a division of German American Bank and something else – people you can trust to be there for you from the first step to that first exciting moment you turn the key.

Compare Your Options

Refinance a Home

Is now the time to refinance your mortgage? Let's find out.

Shopping for a better mortgage rate? Thinking about accelerating your payoff date? We'll work with you to determine the right time to refinance your mortgage and the reasons to do it now, including:

  • Reduce your monthly payment
  • Take cash from your home equity
  • Consolidate long-term debt
Learn More about Refinancing

Build a Home

Build your dream home from the ground up with financing from the initial planning phase through the duration of the project. Heartland Bank, a division of German American Bank may be able to help you:

  • Cover costs for everything from plans and permits to labor and materials
  • Convert to a permanent mortgage when the construction phase ends
  • Make interest only payments while in the construction phase
  • Use the equity of your property as a down payment if you're in the market for a construction loan and own land
Learn More about Building a Home

The Heartland Bank, a division of German American Bank Difference

It's your dream and nobody else's. We start from that place and work with you to make it real. That's why we offer so many mortgage loan options and all the personalized guidance you need, whether it's your first time or your fifth. 

  • Our Process at a Glance

    We'll be right by your side every step of the way home, with the experience and service you expect and deserve.

  • Mortgage Loan Originator (MLO)

    Not just an MLO, an MVP. From nailing down your homeownership goals to working out the financing and walking you through the application, this trusted expert is in your corner from start to finish.

  • Processor

    The mortgage process comes with paperwork – lots of it. It starts with your home loan package moving on to our processors.

  • Underwriter

    Ever wonder what an underwriter does exactly? You're about to find out. This is the member of our team who crunches the numbers to make sure your loan and budget align before approving your mortgage.

  • Closing

    It's time to set a date for one last review of the closing documents and dozens of signatures before your realtor makes it official and hands you the keys. Welcome home.

  • Customer Service

    Feel like the further along you get, the more questions you have? Don't worry, our team will always be there as a resource – before, during and after the closing.

Ryan Childress

Meet Your Mortgage Team

Turn to the experts at Heartland Bank, a division of German American Bank as you make plans and prepare your budget.

Meet Our Mortgage LendersView NMLS List

Financial Insights

Auto finance to home refinance, student checking accounts to IRAs – make informed decisions on all of it.

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  • 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
Treasury Support
(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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