No down payment home loans
Buy a home with zero down.
The Heartland 100 offers 100% financing and no PMI, with terms up to 30 years.*
Heartland 100 home loans
We understand that saving for a down payment isn’t easy. HCU makes getting into your new home easy with our 100% financing option. Plus a Heartland 100 home loan doesn't require Private Mortgage Insurance (PMI).* From pre-approval to closing, our Real Estate Loan Consultants will work with you through the entire home-buying process.
Zero down. Move in sooner
A Heartland 100 Home Loan provides 100% financing for qualified buyers.* Get into your new home now.
A payment you can count on
Heartland 100 Home Loans are available with 15, 20, and 30-year fixed rate* terms so you know how much your house payment will be.
No PMI. More money in your pocket
We do not require Private Mortgage Insurance* with a Heartland 100 home loan, saving you money every month.
Member-owned. Not-for-profit. Local.
Heartland Credit Union is a member-owned, not-for-profit financial cooperative that's been serving Kansas communities since 1948. A home loan from Heartland means working with real estate loan consultants who live where you live and make decisions locally. Our profits go back to members through better rates and lower fees, not shareholders.
Heartland 100 Home Loan Features
- $0 down, 100% financing*
- No Private Mortgage Insurance (PMI)*
- Fixed-rates with 15, 20, and 30-year terms*
- Great option for first-time buyers or someone buying their dream home
- Designed for qualified borrowers who may not have perfect credit
Apply online for your HCU home loan, visit your nearest branch, or call our eBranch at 800.428.8472 to get started today.
*Available to qualified borrowers. Membership required. Minimum credit score of 660. Maximum debt-to-income ratio of 45%. Subject to credit approval, property eligibility, and underwriting requirements. Additional restrictions may apply.
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