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For specific rate quote, please contact our lending staff at one of our 3 locations:  Marion | Delhi | Hiawatha 
 Fixed Rate Mortgage Loans  
As of October 7, 2019
Term Interest Rate APR (Annual Percentage Rate) Origination Fee/Discount Point(s) Down Payment Monthly Payment
15 years 2.750% 3.008% 1% 20% $678.62
20 years 3.250% 3.453% 1% 20% $567.20
30 years 3.250% 3.394% 1% 20% $435.21
Terms of Fixed Rate Mortgage Loans:              
- All fixed rate mortgage loans as based on a minimum credit score of 740.              
- Rates are based on $100,000 loan amount.              
- Rates are available on loan amounts from $100,000 to $417,000                          
(For loans outside of this range, please contact us for other possible programs.)              
- Payments shown above do not include taxes and insurance.  
Actual payments may be higher.              
- All loans are subject to credit approval              
- Rates quoted are based on a 30 day lock period. 
Please call us for rates on other terms and lock periods.
- All loan applicants must be at least eighteen (18) years of age.              
- Rates are subject to change without notice.

Heritage Bank also offers Government Program Loans.  
These include IFA (Iowa Finance Authority) and FHA loans. 
Specific terms for the IFA Program can be found by going to: 

For Specific terms for FHA financing, please contact our lending staff at one of our
3 locations.
Marion | Delhi | Hiawatha 

FDIC Member
Equal Opportunity Lender

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