Buying your first home is a big milestone!
At Heartland, we make the mortgage process clear, supportive, and built around your needs, so you can move forward with confidence.
Today's first-time homebuyer rates
View rates30 Year Fixed
As low as5 YR HCU ARM
As low as7 YR HCU ARM
As low as
$1000 Closing Cost Credit
Save $1000 on closing costs on your Heartland mortgage loan as a first-time homebuyer.
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Experienced mortgage lenders
We have experience providing the right mortgage option to many first-time homebuyers, so you can trust that you'll get approved as fast as possible.
Low or no down payment
At Heartland, you may not need to have saved a 20% down payment, so you can purchase a home sooner.
Low rates
Whether you get a fixed or variable mortgage loan, competitive rates ensure that your monthly payments are affordable, and you'll save money on interest over the life of the loan.
Special promotions for first-time buyers
We try to make home buying easier and more affordable for those new to the process so first time homebuyers will enjoy discounted closing costs.
Quick closing times
We want you to get your home as soon as possible, so we reduce the hassle by offering the fastest possible closing date.
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 loans that fit your needs.
April O.
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Nicole S.
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Let's see what your monthly payment could be.
Homeowners Insurance: 100
Mortgage Insurance: 167
Competitive rates and flexible terms
From having low or no down payment programs, low monthly rates for fixed or variable loans, or discounts on closing costs for first-time homebuyers, we strive to provide first-time homebuyers a mortgage with affordable payments that allow you to save on interest over the lifetime of the loan.
My initial contact and application was with Nicole, and she was fantastic. Very responsive, helpful, and provided exactly what I was looking for.
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Complete an application
Apply directly online or visit one of our branch locations to speak with us in-person.
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Get approved
We will review your application and notify you as soon as possible with the approval status of your mortgage.
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Start shopping
Once approved, you can start shopping for your first home.
Apply today and make your homeownership dream a reality
We offer the best mortgages for first-time buyers along with multiple mortgage options with fast pre-approvals and quick closing times to help you get into a home while saving you time and money.
You may also be interested in
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
First-Time Homebuyer rates
| Product | Rate | APR |
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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: January 11, 2026
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
Variety of repayment terms
You can choose one of many repayment terms that works best for your budget to make repayment easier.
Multiple mortgage options
We provide multiple mortgage amounts so you can afford a wider variety of homes.
Local service
We understand the unique housing market of our community, and servicing is not transferred to other lenders, meaning you get more personalized service.
Apply for a mortgage
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Terms and conditions
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. Â The $1000 credit is valid for applications received by December 31, 2026 and closed by January 31, 2027. Offer cannot be combined with any other offers and subject to change without notice.
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File a Loan Protection Claim
Protection when it matters. We are here to help!
In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:
- Life
- Terminal Illness
- Accidental Dismemberment
- Hospitalization
- Family Medical Leave
- Loss of life of a Dependent
- Disability
- Involuntary Unemployment
To begin, please fill out a claim form HERE!
If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.
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