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Build a Home

Build your dream home from the ground up with Heartland Bank, a division of German American Bank.

Affordable financing at every phase

Watch the blueprints for your dream home come to life. Get the financing you need for every phase, from initial planning through project completion. Heartland Bank, a division of German American Bank can help you:

  • Obtain the funds  to cover costs from drafting plans to buying the land and paying for materials, labor, permits and fees
  • Loans issued for 12 month periods
  • Convert to a permanent mortgage upon completion

Construction Loan

  • Free pre-qualification
  • Applies the equity of land you own to a down payment
  • Interest-only payments during construction phase
  • Converts to permanent mortgage post-construction
Learn More about Construction Loans

Purchase Renovation Loan

  • Consolidates purchase and remodeling costs in one loan2
  • Higher borrowing limits. Loan amount based on improved value
  • Interest-only payments during renovation phase
  • Choose your builder or contractor
  • Free pre-qualification
  • Primary residence only
Apply Now about Purchase Renovation Loans

"They are always speedy, professional, and kind. We can email, call, or walk into the branch and have all of our transactions, questions, and concerns taken care of right away. They are all great with taking care of our banking needs."

- Kathy W.

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1Subject to credit approval. Property insurance required. Available to Indiana, Ohio, and Kentucky residents.

  • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
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Equal Housing Lender
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 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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