Florida Vacation Mortgages
Florida Vacation & Retirement Home Mortgages.
Get Pre-Approved with Heritage Bank NA Home Loans.
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
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Start your homebuying pre-approval application. Our mortgage lenders will do the rest.
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Heritage Bank NA specializes in helping Midwesterners turn that dream into reality with hassle-free, personalized mortgage solutions tailored for out-of-state buyers.
With decades of experience and deep knowledge of Florida’s housing market, our lending team understands the unique needs of buyers from the Midwest. Whether you're planning for retirement or investing in a vacation home, we’re here to guide you every step of the way.
We’ve grown with the communities we serve, evolving our products and technology while staying true to our roots as a community-focused bank. At Heritage Bank NA, we combine modern convenience with traditional values—because helping you feel at home, even from miles away, is part of our heritage.
VA home loans help veterans, active military, and surviving spouses buy homes with little or no down payment and no PMI.
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.
For informational purposes only. Heritage Bank NA is an Equal Housing Lender. All loans are subject to credit approval. Terms, conditions, and eligibility requirements apply.
"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."
Brittany B. - May 2025
"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!"
Nick G. - June 2025
"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."
Hannah M. - May 2025
Applying for a mortgage can be stressful, but the MyLoan app from Heritage Bank makes it simple, efficient and stress-free. 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
