Kansas Mortgage and Home Loans | Heartland Credit Union

Home loans built for you

Flexible options, expert guidance, and savings that make homeownership easier

Your home loan, your way.

At Heartland Credit Union, we’re more than just a lender—we’re your home-buying partner. Whether you're a first-time buyer or building your dream home, our wide range of loan options, lower closing costs, and personalized support are designed to help you save money and move in faster. Let’s find the loan that fits your life, not the other way around.

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Expert guidance from start to finish — We’ll be with you from pre-approval to closing.

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Flexible options for your goals — A wide range of loans tailored to your unique needs.

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Savings where it counts — Lower closing fees and on-time closings to get you home sooner.

Check today's rates and apply online

Have an HCU representative contact you about a home loan.

Or stop by your nearest Heartland Credit Union branch in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

Apply for a home loan today

Learn More About Home Loan Options at Heartland

Conventional Loans

We offer simple home loan solutions with different options to fit just about anyone’s situation.

FHA Loans

A great low-cost option for first-time homebuyers. Let us help guide you through the process.

VA Loans

For our active-duty, or qualifying veterans and spouses, VA Loans can make getting into your new home easier.

Rural Development Loans

For members looking to live in a rural community, these loans feature a variety of money saving options.

Jumbo Mortgage Loans

When you’re ready to purchase your dream home, we’re ready to help. Similar to other loans, Jumbo loans provide more purchasing power.

Heartland 100

We understand saving for a down payment can be difficult. Let us help with our no-down payment, 100% financing option.

Bridge/Swing Financing

Found the perfect home but haven’t sold yours yet? Bridge financing can provide the down payment you need to make the move.

Construction Loans

Ready to build the home of your dreams? Our residential construction loans are simple and flexible.

First Time Homebuyers

You’re ready to step into homeownership, but aren’t sure where to start. We’re here to help guide you each step of the way.