Home Free Refinance

Whether you’re looking to pay down your mortgage quickly to eliminate debt or want to be mortgage-free for retirement, the Home Free Refinance loans can make your goals a reality.

Imagine life without a mortgage payment and refinance your loan to a Home Free Refinance. Choose from two Home Free options to meet your needs.

Home Free – 10 Year

  • Low fixed rate
  • No closing costs+
  • Loan amounts from $50,000 – $250,000
  • Shortened mortgage term saving you money on interest

Home Free – 15 Year

  • Low fixed rate
  • Low closings costs
  • Loan amounts from $50,000 – $250,000

Apply Today
Online
Print: Print
Call: (651) 451-5160 or (800) 813-9185
Visit: Visit a Heartland Branch

Available in Minnesota and Wisconsin only.
*APR is annual percentage rate. Rate effective 5/1/18 and subject to change without notice.

Home Free 10 year: Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Financing available on owner occupied residences in Minnesota and Wisconsin only. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $250,000

Home Free 15 year: Fees may apply to ensure Heartland’s title position. Mortgage must be in the first position in the chain of title. Financing available on owner occupied residences in Minnesota and Wisconsin only. Property insurance required. Consult a tax advisor for information regarding the deductibility of interest and charges. Heartland does not escrow for taxes and insurance. Not eligible for .25% APR discount for auto pay. Loan amounts from $50,000 – $250,000. Closing costs: $499 for loans $50,000-$100,000. $999 for loans $100,001 – $250,000.Max loan amount $250,000.