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Buy a Home

No matter your situation or stage in life, the professionals at Heartland Bank, a division of German American Bank want to help you find the home loan you need. Whether it's your first home, or you're an experienced buyer, our mortgage professionals are here to guide you every step of the way.

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 Indiana 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

Compare Mortgage Loans

    • Benefits
    • Same rate for life of the loan, predictable monthly payments
    • Lower initial rate than fixed-rate mortgage loan
    • Build your dream home with financing from planning to completion
    • Can reduce interest rate, length of loan and monthly payment
    • Government-backed, eligible borrowers may qualify for up to 101% of appraised value for purchases
    • Government-backed, may be more affordable for first-time and lower-income buyers with no or low credit score
    • Government-backed for veterans and active-duty military, lower interest rate, up to 100% home financing, no Private Mortgage Insurance (PMI)
    • Higher than traditional loan amounts, ideal for purchase of higher priced homes
    • Considerations
    • Higher initial rate than ARM, limits ability to take advantage of rate drop
    • Rate and payment could increase with market changes
    • Higher interest rates than other mortgage loans, set loan amount limits flexibility to manage unplanned costs
    • Can require closing costs or cause a slight dip in your credit score
    • Must meet rural development income limits and credit score requirements
    • May need no more than 40% debt-to-income (DTI) ratio and 580 credit score to qualify
    • Stricter qualification requirements and more stringent appraisal standards
    • Stricter underwriting criteria, higher credit score and down payment and lower DTI requirements
    • Down Payment
    • 5% - 20%
    • Adjustable
    • 20% - 30%
    • None
    • None
    • 3.5% - 10%, depending on credit score
    • None
    • 10% - 20% or more

    Government Assisted Options

    With government backed loan options, a wide range of possibilities are available to not only fit your lifestyle, but your financial goals as well. We'll help you open the door to your dream home!

    Learn More

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    - James C.

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

    © 2025 Heartland Bank . All rights Reserved

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