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Iowa Home Buyer Mortgages
No Obligation Hassle-Free Service
FirstHome Program
Down payment assistance and special incentives for first-time home buyers.
Homes for Iowans Program
No matter how many homes you’ve purchased, any home-buying decision is a big one.
FHA Mortgages
Great for 1st or repeat home buyers looking for great rates and low down payments.
USDA
0% down USDA financing. No down payment. Eligible to rural home buyers.
Down Payment and Closing Costs Assistance
When you use one of our down payment and closing costs assistance programs in conjunction with our FirstHome or Homes for Iowans mortgage, homebuying is affordable and easy. The same FirstHome or Homes for Iowans program eligibility requirements apply.
Grant
Available with FirstHome Mortgages only.
The down payment and closing costs assistance grant provides homebuyers with a $2,500 ngrant to assist with down payment and closing costs.
or
2nd Loan
This program offers a loan of up to 5% of the home’s sale price with no maximum and is repayable at the time of sale, refinance or when the first mortgage is paid in full. No monthly payments are required.
Iowa Title Guarantee
Iowa Title Guarantee Owner certificates are provided free to homebuyers who use the IFA mortgage program and request it at closing. Title issues do not happen often. When they do, you will be glad you are covered.
Why Choose Us?
At Heritage Bank, we’re not all “About Us.” We’re about you… our customers, our communities, and our employees. Our mission is to help people succeed financially. Specifically, that means:
- Helping customers meet their goals and achieve their dreams
- Supporting our communities and helping them thrive
- Providing a gainful and enjoyable workplace for our employee owners
- Providing a sound and profitable return for our investors
Our products and technology have evolved along with the markets we serve as we have grown steadily over the generations. Yet, we maintain the traditional values from our roots as a Midwestern community-focused bank… it’s our heritage.”
Our Team
Teresa Dewolf
Mortgage Loan Originator
Ryan Kaufman
Mortgage Loan Originator
Jean Marthaler
Mortgage Loan Originator
Jeremy Thompson
Mortgage Loan Originator
Julie Velline
Mortgage Loan Originator
Christine Vraa
Mortgage Loan Originator
Nikki Rydberg
Mortgage Loan Originator
Kara Honebrink
Mortgage Loan Originator