Construction Loans
Bring your vision to life with Heartland Bank, a division of German American Bank.
Construction Loans
Bring your vision to life with Heartland Bank, a division of German American Bank.
Affordable financing at every phase
Get the financing you need to cover costs from the initial planning phase through project completion.
Heartland Bank, a division of German American Bank can help you:
Construction Loan
If you own land, you have equity.
Use the value of your land as a down payment to meet the loan-to-value requirement on your construction loan and secure financing for the funds needed to complete your project.1 Once you're ready for permanent financing, we'll help you find the perfect mortgage.
1Subject to credit approval. Property insurance required. Available to Indiana, Ohio, and Kentucky residents.
Purchase Renovation Loan
Roll your mortgage loan and remodeling costs into one loan with this innovative mortgage package.2
Based on a home's value after renovations, Purchase Renovation Loans let you borrow more than a traditional home equity loan. And because you'll build equity faster by making renovations, you'll see even more potential in that fixer-upper you've been eyeing.
Subject to Credit and Underwriting Approval
Lot Loans
A great option of subdivisions, tear downs, or raw land.
Subject to Credit and Underwriting Approval
Rehab Loans
When you've got a bit of a fixer-upper on your hands, this could be the loan for you.
Subject to Credit and Underwriting Approval
The Heartland 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.
We'll be right by your side every step of the way home, with the experience and service you expect and deserve.
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.
The mortgage process comes with paperwork – lots of it. It starts with your home loan package moving on to our processors.
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.
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.
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.
Meet Your Construction Loan Team
Turn to the mortgage experts at Heartland Bank, a division of German American Bank as you firm up your plans and budget.
Financial Insights
Auto finance to home refinance, student checking accounts to IRAs – make informed decisions on all of it.
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.
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.
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.
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Routing Number #:
German American Bank - 083904563
Heartland Bank, a Division of German American Bank - 044109336
© 2025 Heartland Bank . All rights Reserved