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Get into your dream home with your dream loan.
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.
Loans close within an average of 45 days, ensuring you don’t miss out on your dream home.
Get pre-qualified 7 a.m. – 7 p.m., 7 days a week.*
Our local lenders are here to get to know you and offer flexible financing to meet your needs.
Conventional loans fall into two categories, conforming and non-conforming, determined by the guidelines set by the Federal National Mortgage Association (Fannie Mae). With this type of loan, a borrower could finance up to 97% loan to value meeting the guidelines set by Fannie Mae.
Our Construction Loan program offers financing solutions to cover the cost of building your dream home. Once your project is complete, this short-term loan can be refinanced to a fixed rate, amortized mortgage loan.
Veteran Affairs (VA) loans offer qualifying veterans low or no down payment loan options with the added benefit of waiving the mortgage insurance requirements.
Rural Development (RD) through the USDA loans offer unique benefits, including no down payment loans and flexible options for individuals with limited or adverse credit history.
Jumbo loans offer options for well-qualified borrowers to purchase homes that are more expensive. Jumbo loan limits amount up to $2.5 million.
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.
REFINANCING MAY BE RIGHT FOR YOU IF YOU ARE:
There are many reasons why someone may be looking to refinance. A few benefits of refinancing your mortgage with Midwest Heritage include:
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.
If mortgage rates have dropped since you initially financed your home, you can often save money in the long term by refinancing your mortgage.
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.
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.
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.
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!
MORTGAGE LOAN CALCULATOR
RENTING VS. BUYING CALCULATOR
MORTGAGE COMPARISON CALCULATOR
WE DO MORE THAN LENDING.
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.
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