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Community Bank

Residential Real Estate Lending

First Heritage Bank offers a wide variety of mortgage loan products. Fixed Rate Programs and USDA programs used automated underwriting technology that is used industry wide for pre-qualifications. Our experienced lenders will find the right program to fit your mortgage needs.

Fixed Rate Mortgages

Whether you are looking to purchase or refinance we have the fixed rate mortgage to fit your needs.

Adjustable Rate Mortgages 5/1

Our Adjustable Rate Mortgage offers a locked in rate the initial 5 years of your loan. The rate changes annually thereafter based on a predetermined index or indexes. Based on market conditions your payments could go up or down after the initial 5 year period.


A Home Equity Line of Credit or HELOC Loan is a revolving line of credit and you can access as you choose. The interest rate is variable, so your monthly payments can change. With a HELOC you will have a minimum monthly payment, but you also have the ability to pay more than the minimum payment.

Construction Loans

Line of credit for the purpose of building a brand new home or a possible addition to your existing residence.

USDA Single Family Housing Guaranteed Loan Program

Our bank is one of a very few approved lenders in Northeast Kansas that originates the USDA Rural Housing Loan.

Homeready Mortgages

Option for homebuyers to save on mortgage insurance costs while having a low down payment.

Down Payment Assistance Program


First Heritage Bank

Finding Better Ways to Serve Our Communities Since 1882

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