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Heartland Bank and Trust Company
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 In today’s fast paced world, time is precious. That’s why we have tried to make the loan application process as simple as possible. With the convenience of our online application, you can complete the loan application when it’s convenient for you, all from the comfort of your home.

The application process is an easy and straightforward process—in fact it’s as easy as 1-2-3-4. Simply complete the following steps listed below, and we’ll take care of the rest.

  1. Create an Account. You’ll create an online account with your unique e-mail address and a password of your choice.
  2. Complete your Loan Application. Simply fill in the requested information as you move through the site. You will be asked about your income, as well as your assets and liabilities (who you owe), so it’s helpful to have your pay stubs and a list of your balances owed to other creditors close at hand. Note: If you can’t finish your loan application in one sitting, you can return to continue where you left off when your schedule permits.
  3. Click "Submit". One of our seasoned mortgage professionals will then perform an initial review of the information submitted online alongside that of your credit report. He or she will then contact you to request any required supplemental documentation. Once those documents are received for processing, an appraisal and any required legal documents will be ordered (to include, but not limited to title work and mortgage). Upon their receipt, we will contact you to schedule a closing date and time.
  4. Prepare for Closing.
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