Mortgages and realty services
Achieving your home goals
Buying or refinancing a home is a major decision. Whether you are a first-time homebuyer, upgrading your home, or looking to refinance, our experienced team can help identify the right solution for your specific needs and budget.
Why Choose us?
Novation Financial mortgage loans
We offer a variety of solutions, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), and FHA mortgages of varying lengths and terms.
All mortgage applications can currently be done online through our partner Servion Mortgage.
Connect with our team to discuss options and get answers to your mortgage questions
EMAIL: mortgage@heartlandcu.com PHONE: (651) 289-9577
Apply quickly online with our partner Servion Mortgage
Overview
Compare Mortgage Options
Fixed Rate Mortgage
The rate stays the same over the term of the loan, with terms ranging from 10-30 years. Fixed rate mortgages may be the best option if you plan to stay in the home for at least ten years.
Fixed rate for the entire term of the loan
10, 15, 20, and 30-year terms available
Best for those planning to stay in the home for 10+ years
5/1 ARM
This adjustable-rate mortgage has a fixed rate for the first five years of the loan after which the rate is adjusted annually.
Lower initial interest rate
Annual rate adjustments after 5 years
Best for those who may not stay in the home for more than 5-10 years.
Jumbo Mortgage
Loans for mortgages of $806,550 or more.
Fixed rate for the term of the loan
For those looking to borrow $806,550 or more
Get started
Apply for a Mortgage or Learn More
Mortgage Application
Complete your mortgage application with our partner Servion Mortgage.
Call the Mortgage Team
Talk to a team member to learn more about the home buying process.
Current Rates
Contact the Novation team for info on current mortgage rates.
Learn More: Mortgages
Resources
Home Buying and Mortgage Calculators
HOME MORTGAGE DISCLOSURE ACT (HMDA)
The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available for review. The data shows geographic distribution of applications and loans; ethnicity, race, gender and income of applicants and borrowers; and information about loan approvals and denials. Inquire at our office regarding the locations where HMDA data may be inspected.