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Overview
Looking forward to life without a mortgage?
We’re here to help you get there. Whether you’re looking to pay down your mortgage quickly to eliminate debt or want to be mortgage-free for retirement, the Home Free Refinance loans can make your goals a reality.
Get started today. Email [email protected] or call (651) 451-5160
Pay low or no closing costs
Choose a 10 year Home Free and pay no closing costs. Or, a 15 year Home Free and pay low closing costs.
Save thousands in interest
By shortening your mortgage you’ll save thousands in interest.
Choose your amount
Our Home Free loan amounts range from $50,000 to $300,000.
Enjoy a low fixed rate
We work hard to get you a lower payment.
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Rates
Rates Effective as of: 11-21-2024
Type APR*(as low as) Terms Home Free – No Closing Costs+++ 6.49% 10 years Home Free+** 6.99% 15 years Financing available on owner occupied residences in Minnesota and Wisconsin only.
*APR is annual percentage rate. Not eligible for auto pay discount. These rates are in effect as of 11/1/2024 and are subject to change. Rates may vary based on credit history.
+++Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $400,000
+**Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $400,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $400,000. Max loan amount $400,000.
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FAQs
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You may make extra payments on your Home Free loan without penalty. However, if you pay off your 10 year Home Free loan within the first year you must repay closing cost.
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Yes. Closing costs are determined by the loan amount.
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No
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The Home Equity, Home Improvement and Home Free loans all have fixed rates. Home Equity Lines of Credit are Variable.
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15 to 45 days
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Online Banking
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Learn more todayHome Free Refinance
Pay off your home faster
Make your financial goals a reality with the unique Home Free Refinance, featuring a no-closing-cost option
Home Free – 10 Year
Shorten your mortgage term to save money on interest. Plus this loan comes with a low fixed rate and no closing costs.
Home Free – 15 Year
Not in a rush? This loan is perfect for you. Enjoy a low fixed rate and low closing costs.
I just wanted to drop you a note to let you know we closed on our refinance this morning. This process was flawless!!
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Apply online in minutes
Home Free Refinance Disclosures
Financing available on owner occupied residences in Minnesota and Wisconsin only.
Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $300,000
Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $300,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $300,000.Max loan amount $300,000.
