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 have over 60 years of mortgage lending experience and 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.

  • Traditional Option for borrowers
  • 30, 20, and 15 year loan terms
  • Up to 97% Loan to Value

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.

  • Great option for 1st time buyers with no down payment in USDA designated Rural Areas.
  • 30 year loan terms
  • 100% of appraised value
  • Fixed Rates
  • Can include repairs or closing cost in loan amount, subject to appraised value
  • Income Limits apply
  • Credit scores as low as 640

Homeready Mortgages

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

  • 30, 20, & 15 year loan terms
  • Up to 97% Loan to Value
  • Fixed Rates
  • Income Limits aply
  • Homebuyer Education required
  • Credit scores as low as 640

Down Payment Assistance Program

  • This program is a forgivable grant to provide households a forgivable grant with a 5 year retention period.
  • Federal Home Loan Bank Home ownership Set-Aside Program
  • Annual funding available to assist very low, low and moderate income first time homebuyers
  • Income limit is set at 80% of the Area Median Income for housing purchases in Kansas.

First Heritage Bank

Finding Better Ways to Serve Our Communities Since 1882

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