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Mortgage options

Affordable home mortgage loan options in Wisconsin

Whether it's your first home or your forever home, Heartland Credit Union has the mortgage options to set you up for financial success.

Today's Mortgage Options rates

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30 Year Fixed

As low as % APR*


As low as % APR*


As low as % APR*

Competitive interest rates

We offer low rates on both fixed and variable mortgage loans, so no matter what option you choose you can trust you are getting the best price possible.


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.


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.


Variety of repayment terms

Choose a repayment term that fits your budget, making monthly payments affordable for your lifestyle as you focus on turning your house into a home.


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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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 Mortgage Lending

Come meet our amazing team. We’re excited to help get you into your first home, dream home or refinance your current mortgage.

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VP mortgage lending, Jeff


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Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Advanced Options
Mortgage refinance

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.

Apply for a mortgage loan

For 20 years, I’ve enjoyed the honor of helping our members develop and execute plans to reach their homeowners goals and achieve their dreams. It’s “People Helping People” in action.

— April O., Verona, Employee Since 2003

How it works

Getting a mortgage with Heartland Credit Union is simple.

  • 1

    Complete an application

    Fill out an online application or apply at one of our branch locations.

  • 2

    Get approved

    We will review your application and determine how much you can qualify for and notify you of your approval.

  • 3

    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 1939, 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.

You may also be interested in

First-Time Homebuyer

Buying a home for the first time can feel overwhelming, but with our low rates, flexible terms, experienced lenders, and more, you can affordably purchase a home.

Home Equity Loans

A closed-end loan or line of credit uses equity in your home to help you afford a number of major life expenses such as remodel projects or even a vacation!

Financial Fitness Coach

Whether you need some assistance creating a budget or you want to boost your credit score, Heartland Credit Union has professional financial fitness coaches to help you.


When it comes to investing, our recommendations are as individual as you.