Maribeth and Jared Williamson and Chris Vraa
NMLS #370041, #1721364 and #580203
Maribeth and Jared Williamson comes to Heritage Bank with a strong reputation in the mortgage industry by guiding clients through the home financing process with clarity and care. Their personalized, trust-based approach consistently leads to positive client experiences and lasting relationships.
At Heritage Bank NA, we don’t just process mortgages – we’re by your side with expert guidance and real people who care, making homeownership faster, easier, and more personal.
Our products and technology have evolved along with the markets we serve as we have grown steadily over generations. Yet, we maintain the traditional values from our roots as a Midwestern community-focused bank...it's our Heritage.
Apply.
Start your homebuying pre-approval application. Our mortgage lenders will do the rest.
Shop.
Get pre-approved to demonstrate your credibility to sellers and gain stronger negotiating power.
Close.
Finalized the process. Your new home is just a signature away.
Down payment assistance and special incentives for first-time home buyers.
FHA loans offer higher debt-to-income limits than conventional loans, letting you qualify for a larger amount.
USDA loans offer affordable housing in rural and suburban areas with low interest rates and no down payment requirements.
Up to $18,000 down payment and closing costs in down payment assistance for MN residents.
VA home loans help veterans, active military, and surviving spouses buy homes with little or no down payment and no PMI.
Conventional home loans offer competitive rates and flexible terms tailored to your needs.
Our customers say it best. From first-time homebuyers to long-time savers, their stories reflect the care, support, and financial confidence we strive to provide every day. Take a moment to see how we’ve made a difference in their lives, you might just see yourself in their words.
Jared Williamson, Mortgage Loan Originator
NMLS #1721364
We can’t recommend Jared enough! As first-time home buyers, we were pretty overwhelmed — especially since we were doing everything from out of the area. Jared made the whole process so much easier. He was super helpful, always quick to respond, and explained everything in a way that made sense. We really felt like he had our backs the whole time. So grateful we had him on our team!
Maribeth Williamson, Mortgage Loan Originator NMLS #370041
"Fantastic job! We bought a house without a relator so we figured it was going to be more stressful, but Maribeth and her son made it a breeze! Being a very stressful person I was asking tons of questions and calling consistently. They answered every question and answered all my calls. Knowing someone was there every step of the way made our process very simple and easy! I can’t thank them enough for everything they did for us! HIGHLY recommend!!!! Amazing company. Amazing people."
Chris Vraa, Mortgage Loan Originator
NMLS #580203
"Working with Chris Vraa at Heritage Bank was a dream. Getting your first home takes a lot of steps and hoop jumping. Chris will set you up for success and is extremely experienced and knows exactly what to look for. Could not recommend enough."
Nikki Rydberg, Mortgage Loan Originator
NMLS #2543990
"I would highly recommend Heritage Bank NA to anyone—especially those seeking their first home. Because my husband and I were purchasing our first house, we required more assistance and support along the way. Nikki Rydberg was a terrific loan officer and never hesitated to get on the phone and chat through things with us, even after hours and on the weekends. Because of Nikki’s quality service, we were able to enjoy the full process. The digital app also made reviewing documents and managing our to-do list much easier. In the end, we landed our dream house and couldn’t be more thrilled. Overall, we had an exceptional experience with Heritage Bank, and particularly Nikki. Thanks for everything!"
Matt Velline, Mortgage Loan Originator
NMLS #873835
"We are very pleased with the service that Matt Velline provided during our home buying process! He is very efficient and a great communicator, making the experience less stressful. We will recommend him to our friends and family and will be using him in any future endeavors."
Applying for a mortgage can be stressful, but the MyLoan app from Heritage Bank makes it simple and efficient. Check out these great features:
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At our employee-owned bank, we value you as a partner and treat your business as if it were our own. Our dedicated team of lenders is just a phone call, text, or email away, ensuring we’re always there to support you. Trust us to have your back every step of the way.
310 1st Street SW Willmar, MN 56201-1124
