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

Installment Loans
Lines of Credit
Home Improvement
MHFA Home Improvement Loans (MN only)
MHFA Home Energy Loans (MN only)

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