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Home Loan Options


Should you refinance?

When is the right time to refinance your home? Will a drop in your interest rate be more beneficial to you over time vs. the closing costs associated with your new home mortgage? How much equity have you built up in your home? Are you looking to consolidate debt by refinancing your home, and is it the right choice?

These are all questions Heritage Bank’s Midwest Home Team can help you determine. Check what interest rate you’re paying on your existing loan, as well as your monthly payment, then give us a call to discuss refinancing options in more detail.


Equity is the difference between your property’s appraised value and the amount that’s still owed on it. A home equity loan or line of credit allows you to borrow money, using your home’s equity as collateral.

Whether it’s a personal investment, new car purchase, educational opportunity, vacation, or home improvements, a home equity loan or home equity line of credit may be the perfect option for you. The interest you pay may also be tax-deductible.

Home Equity Loan – an installment loan for a one-time expense
Home Equity Line of Credit – provides ongoing access to available credit, similar to a credit card.
Contact us to find out which of these would work for you!


Heritage Bank offers several financing solutions in our home mortgage department for homeowners looking to make improvements to their existing home.

We offer several different options for home improvement loans, including:

Which option you choose depends on the nature of your home building project, as well as your long term financial goals.  Our mortgage lenders have the best tools available and the most current rates.  Contact us today for a free consultation with a member of our Midwest Home Team.


Are you looking for a lender to finance your new home construction project?

Heritage Bank is a major provider of home construction loans in our lending area. Our Midwest Home Team will work with you and your contractor to design a construction loan that meets your unique needs.

Once you receive the final specs from your contractor, we’ll put together a temporary construction loan that allows you to take necessary draws for up to twelve months. Once your home is complete, we’ll roll your loan over to a permanent financing solution, eliminating the need for two separate closings and duplication of closing costs.

Trust Heritage Bank’s Midwest Home Team to offer flexible terms and knowledgeable advice for your building project.  We offer the assistance of an experienced mortgage lending team to guide you and help you understand the mortgage process.  Contact us today to discuss the details.