Minnesota Mortgage Programs
No Obligation Hassle-Free Lending for Minnesota Home Loans.
Find Your Program with Heritage Bank NA.
Apply.
Start your homebuying pre-approval application. Our mortgage lenders will help you find your rate.
Shop.
Shop with confidence. Getting pre-approved shows sellers you mean business!
Close.
Finalize 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.
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
Heritage Bank NA has been helping Minnesotans find the right mortgage for decades. Our experienced lending team is here to guide you every step of the way with personal service and expert advice.
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.
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:
Improving and maintaining a good credit score isn’t just a financial goal—it’s necessary for anyone planning a significant purchase, like buying a home or a car. Yet, many of us don’t fully understand the factors that impact credit scores or how to improve them effectively. That’s where Brandie Wenham, a seasoned credit expert and private…
Navigating the Minnesota real estate market can be daunting, especially for first-time homebuyers. With increasing housing prices, limited starter home options, and economic factors influencing mortgage rates, understanding the market dynamics is critical. To shed light on these challenges and offer expert advice, KWLM sat down with Doug Frazzini, Capital Market Specialist at Heritage Bank,…
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
