Heartland has a special offer to help get you into your first home.

*Up to $1,000 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. Closing cost credit cannot exceed the actual amount of closing costs, prepaids, and escrow reserves. Seller credits will be applied first. Credit will be applied at closing and appear on closing disclosure.  The $1000 credit is valid for applications received between July 1, 2025  through December 31, 2025, and closing by January 31, 2026. Offer cannot be combined with any other offers and subject to change without notice.