Get into your dream home with your dream loan.


Get into your dream home with your dream loan.

Mortgage & Home Loans

Whether you’re looking to finance your first home, move into your dream house or refinance your current mortgage, Midwest Heritage has you covered. You can count on our team to help make your dream a reality.

Our experienced lending and in-house underwriting teams are prepared to provide quick pre-qualifications for mortgages and first-class customer service every step of the way.

The Midwest Heritage Difference

Consistent Closings

Loans close within an average of 45 days, ensuring you don’t miss out on your dream home.

Quick Pre-Qualifications

Get pre-qualified
7 a.m. – 7 p.m.,
7 days a week.*

Local Decisions

Our local lenders are here to get to know you and offer flexible financing to meet your needs.

Mortgage Refinancing

Refinancing your mortgage can provide a number of advantages. Our experienced mortgage loan officers will help you crunch the numbers to determine if a mortgage refinance is the right choice for your financial goals.


  • Looking to lower your interest rate
  • Consolidating your mortgage debt
  • Planning to make home improvements or remodel
  • Interested in reducing the term of your loan

There are many reasons why someone may be looking to refinance. A few benefits of refinancing your mortgage with Midwest Heritage include:

Shortened Loan Term

Mortgage refinances may also include the option to shorten your loan term. If your income has since increased, this may be another great option to cut down the amount of interest owed on your loan in the long run.

Better Rates

If mortgage rates have dropped since you initially financed your home, you can often save money in the long term by refinancing your mortgage.

Decreased Monthly Payments

Refinancing your mortgage with a lower rate also contributes to less interest paid and, therefore, a lower monthly payment. Refinancing your home may also give you the option to change your loan term, which would also contribute to a lower monthly payment.

Stabilize Your Loan Term

If your existing mortgage is an ARM (adjustable-rate mortgage), this gives you the opportunity to refinance to a fixed-rate loan to lock in a low rate.

Mortgage & Home Loan FAQs

To determine which type of mortgage is right for you, you’ll want to take a step back and evaluate your current financial situation. The type of mortgage you get can be dependent upon your credit history, how much savings you have for a down payment, stable employment history and more.

You can get pre-qualified for a mortgage by submitting a few pieces of key information. Getting pre-qualified for a home loan allows you to receive an estimate for your borrowing limit based on information you provide regarding your finances and a credit check. Get pre-qualified between 7 a.m. – 7 p.m., seven days a week with Midwest Heritage by completing this inquiry form.

If you’re thinking about refinancing your mortgage, there are a few factors to consider. It can pay off to refinance your mortgage if you’re looking to secure a lower rate, shorten your loan term, change the individuals listed on the mortgage, cash-out refinance for renovations and more. Speak with one of our local lenders to determine if refinancing your mortgage is right for you.

To determine how much mortgage you can afford, there are several factors to take into account. Factors include your debt-to-income ratio, household income and available savings for a down payment. You can use this mortgage calculator to help determine how much mortgage you can afford, which is also dependent upon current interest rates.

Meet Our Lenders

Our experienced lenders are here to guide you every step of the way. They are here to help or answer any questions specific to your financial situation!


Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.

Legal Disclosures and Information

NMLS #517438
Get pre-qualified 7 a.m. – 7 p.m., 7 days a week; pre-qualification hours do not include federal holidays observed by Midwest Heritage.