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Home Mortgage

Apply now if you are buying, building, refinancing, or remodeling!  Heritage Bank has experience in serving the real estate needs in Minnesota and Iowa. We know the mortgage industry inside and out and are able to offer accurate advice and fast turnaround on any type of loan. Start the application process today or contact our Mortgage Lending Team to learn more!

online mortgage application

Home Loans

  • Conventional Fixed or Adjustable Rate Loans
  • Construction Loans
  • Rural Development (formerly FmHA)
  • Federal Housing Administration (FHA)
  • Veteran’s Administration (VA)
  • Iowa FirstHome Program (IA only)
  • Minnesota Housing Finance Agency (MHFA) (MN only)

Home Equity Loans

Mortgage customers at Heritage Bank are automatically enrolled in Blue Circle Banking, entitling you to free services, discounts, and other perks.