Skip nav to main content.
Mortgage options

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 rates

30 Year Fixed

As low as % APR*


As low as % APR*


As low as % APR*

First-time homebuyers

We make buying a home less intimidating for first-time homebuyers by offering affordable, accessible mortgage loan options and experienced lenders.

Learn More

Save $500 on closing costs!

First time home buyers may be eligible for a closing cost credit of $500*


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.

Set up an appointment

Call us

VP Real Estate Lending, Jeff R.


April O.

View profile

Nicole S.

View profile

Estimate your payment

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

Everyone working on my loan was very professional and extremely nice to work and talk with...thank you again.

— Timothy M., Highland, member since 2006

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 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.

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.

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!