Affordable Mortgage Loans in Wisconsin
Whether it's your first home or your forever home, Heartland Credit Union has the mortgage loans in Wisconsin to set you up for financial success.
Today's Mortgage Options rates
View rates30 Year Fixed
As low as5 YR HCU ARM
As low as7 YR HCU ARM
As low as
First-time homebuyers
We make buying a home less intimidating for first-time homebuyers by offering affordable, accessible mortgage loan options and experienced lenders.
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Save $500 on closing costs!
First time home buyers may be eligible for a closing cost credit of $500*
Conditions
Low or no down payment
Unlike other mortgage loan options, you may not need a typical 20% down payment. You may be able to pay little to no down payment so you can buy the home you want even sooner.
Fast and free pre-approval
For no additional charge, you can get preapproved for a mortgage loan and know exactly how much you and your family can afford for a new home.
Competitive interest rates
We offer among the lowest mortgage rates in Wisconsin on both fixed and variable loans, so no matter what option you choose you can trust you are getting the best price possible.
Construction loans
Do you envision a home that doesn't exist yet? With a construction loan through Heartland, you can get financing to begin building the home of your dreams.
Have a question?
Jeff R., VP of Mortgage Lending
NMLS #517356
Come meet our amazing team. We’re excited to help get you into your first or dream home or refinance your current mortgage. We’ll guide you on the best mortgages for first-time buyers in Wisconsin and other Heartland Credit Union budget-friendly home loans that fit your needs.
April O.
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Nicole S.
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Homeowners Insurance: 100
Mortgage Insurance: 167
Start saving, even when you already have a loan
Refinance your existing mortgage and save. If you want a lower payment, want to pay off your mortgage in 12 years or less, want a lower rate, or owe less than 75% of your home's value, we can help you refinance and achieve your mortgage goals.
Everyone working on my loan was very professional and extremely nice to work and talk with...thank you again.
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Complete an application
Fill out an online application or apply at one of our branch locations.
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Get approved
We will review your application and determine how much you can qualify for and notify you of your approval.
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Purchase your home
Once approved, you can use the funds to buy the home you and your family will love.
Purchasing your dream home does not need to be complicated
Since 1936, Heartland Credit Union has been in the business of helping people like you finance their home where memories are shared and dreams come true. Apply for a mortgage today to get started.
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Heartland is your go-to Wisconsin credit union, offering a wide range of solutions to meet all your banking needs. From high-yield certificates to budget-friendly HELOC and mortgage loans in Wisconsin, we’re dedicated to helping you achieve your financial goals. Join us today and discover the Heartland difference!
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Rates
Mortgage Options rates
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30 Year Fixed |
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20 Year Fixed |
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15 Year Fixed |
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10 Year Fixed |
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5 YR HCU ARM |
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7 YR HCU ARM |
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10 YR HCU ARM |
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WHEDA First Time Home Buyer <=80% AMI |
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WHEDA First Time Home Buyer >80% AMI |
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WHEDA Preferred <=80% AMI |
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WHEDA Preferred >80% AMI |
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HomeReady 30 YR Fixed |
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Rates effective as of: October 31, 2024
APR is Annual Percentage Rate. Rates are subject to change without notice. For adjustable rate loans, payment, rate and APR may increase after loan consummation. Contact us for details. Display rates assume a $150,000 loan amount and a $250,000 value (40% net equity), minimum credit score of 740, single family owner occupied Wisconsin property. This page is for informational purposes only. Credit score, loan purpose, property type, occupancy status, loan to value, loan amount and debt to income can affect rates and fees. Always get an official Loan Estimate before choosing a loan. Heartland Credit Union NMLS 421437
All features
Jumbo loans
Traditional mortgage loans may not give you the money you need for the home of your dreams, so that is why we offer jumbo loans that provide even greater funds.
Quick closing times
We want you to to enter your new home as soon as possible, which is why our mortgage loans have quick closing times to allow you to access your loan funds sooner.
Local service
Our mortgage lending team understand the housing market of Wisconsin, so you can trust that we are here to help you find the right loan option for you and your family.
Home Equity Loans
You can use the equity in your home in the form of a loan to help you afford repairs, renovations, or other life expenses.
Fixed Rate Mortgages
You can select a loan that has a fixed rate to more easily budget your loan payments into your monthly bills and plan for the future.
Adjustable Rate Mortgages (ARMs)
You can have a lower starting interest rate on your loan to help you potentially save more for the remainder of your loan's term.
Smart Re-Fi Loan
With Heartland, you can refinance your existing mortgage loan to help you potentially lower your closing costs, a lower rate, and more.
Experienced mortgage lending team
Heartland Credit Union is proud to have experienced mortgage specialists to help you save time and money during your home loan process.
Apply for a mortgage loan
Set up an appointment
Terms and conditions
$500 closing cost credit available for first time home buyers. A first time home buyer is anyone who is purchasing the property, will reside in the property as a principal residence and has had no ownership interest in a residential property (sole or joint) during the three-year period preceding the date of closing. WHEDA, investment property, construction loans, second mortgages and lines of credit excluded from offer. $500 closing cost credit cannot exceed the actual amount of closing costs, prepaids and escrow reserves. Credit will be applied at closing and appear on closing disclosure. Offer cannot be combined with any other offers and subject to change without notice.
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