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 loan can make your goals a reality.

This special refinance loan allows you to refinance your current mortgage to a shorter maximum term of 10 years at a low fixed 3.50% APR*. Plus, you’ll pay $0 in closing cost fees – saving you even more!

Imagine life without a mortgage payment and refinance your loan to a Home Free Refinance.

You Get:

  • Low 3.50% APR* fixed rate
  • No closing costs+
  • Loan amounts from $50,000 – $250,000
  • Shortened mortgage term saving you money on interest

Apply Today
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 1/1/18 and subject to change without notice. Payment on a 10 year term at 3.50% APR is $494.43 per $50,000 borrowed. Not all applicants will qualify for a Home Free Refinance. Loan to value, credit qualifications and other restrictions apply. Rate varies based on credit history. + Loans paid off within the first year are required to repay closing costs. Fees may apply to ensure Heartland’s title position. 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.