Rates effective 01/28/26. Heartland Mortgage Corp. NMLS# 68459 Rates and APR are subject to change without notice. APR based on $450,000 for conforming, FHA and VA and $600,000 at 80% Loan-to-Value for jumbo loans. This is not an offer of credit or commitment to lend. Adjustable Rate Mortgages assume no increase in the financial index after the initial fixed period. After loan consummation and initial fixed-rate period, your interest rate can increase or decrease annually according to the market index which may impact your monthly payment. Heartland Mortgage Corp. is a registered mortgage broker with the New York State Department of Financial Services. Loans arranged through third party providers