Get Prequalified and See What You Can Afford
It only takes a few minutes to get started. No credit impact and no commitment; just a quick soft credit check to give you a clearer picture of what’s possible.
Where Would You Like to Start?
The next step is within reach. See what you can do with expert guidance, competitive home loan options, and local support from start to finish.
Apply for a Home Loan Online
Start your application online, with our Home Loan experts here to help if any questions come up along the way.
Check Mortgage and Home Loan Interest Rates
Explore our competitive rates and see what fits your budget and your next move.
Find a Home Loan Advisor
Connect with a local advisor who can answer your questions and help you find the right home loan for you.
Know How Much You Can Afford With Home Loan Prequalification
Prequalification gives you an estimate of how much you may be able to afford so you can explore your home loan options with a clearer picture of your budget.
Get a Home Loan That Comes With So Much More
Support From Start to Finish
Loan Options Tailored to You
A Clear, Focused Process
Competitive Rates and Flexible Options
Online Tools to Keep Things Simple
Trusted Experience Close to Home
With more than 150 years of serving communities across Indiana and Michigan, Horizon brings the experience of a major bank with the personal attention of a local team.
Let’s Find the Right Home Loan for You
Conventional Fixed-Rate Home Loans
Lock in an interest rate that stays the same for the entire life of your loan. It’s a strong option if you plan on staying in one home for a long time.
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Fixed interest rate for the full loan term
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Consistent principal and interest payments month to month
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Ideal for long-term budgeting and payment stability
Jumbo Fixed-Rate Mortgages
Finance a higher-value home with a fixed interest rate. This option gives you a larger loan amount with consistent principal and interest payments over time.
- Designed for loan amounts above conforming loan limits
- Fixed interest rate for the full 30-year term
- Predictable principal and interest payments month to month
Adjustable-Rate Mortgages (ARM)
An adjustable-rate mortgage starts with a lower introductory interest rate that may go up or down over time based on market conditions.
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Lower initial rate than some fixed-rate options
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Rate, principal, and interest can change after introductory period
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Good fit for short-term homeownership or changing financial plans
Construction Loans
Finance the building of your new home, with funds released in stages as your project progresses and interest-only payments on the amount disbursed (during the construction phase only).
- Funds released as construction moves forward
- Interest-only payments during construction on the amount drawn
- Converts to permanent mortgage once the home is complete
Land Loans
Purchase residential lots or acreage for your future home with financing options that help you secure the property before you’re ready to build.
- Purchase land without an existing home or permanent structure
- May be available for unimproved or improved land
- A good option if you want secure land before you’re ready to build
FHA Home Loans
Buy a home with flexible qualifying guidelines and a lower down payment than most conventional loan options.
- Down payments may be as low as 3.5% for qualified borrowers
- Designed to offer more flexible credit qualifying than other loans
- Mortgage insurance is required on FHA loans
USDA Rural Development Loans
Buy a home in an eligible rural area with no down payment and flexible qualifying guidelines for qualified borrowers.
- No down payment for qualified borrowers
- Designed for low- to moderate-income households
- Property must be located in USDA-eligible area
VA Home Loans
If you’re a qualified veteran, servicemember, or surviving spouse, this loan helps you buy a home with no down payment and no private mortgage insurance.
- No down payment for qualified borrowers in many cases
- No private mortgage insurance required
- Available to eligible veterans and active-duty servicemembers
HomePride Plus Loans
Make owning a home possible with extra support, flexible options, and help along the way.
- Up to $6,500 in down payment assistance for eligible borrowers
- Low down payment options with flexible funding sources
- No private mortgage insurance (PMI) required
HomeReady Home Loans
Make homeownership possible with a low down payment option that keeps costs more manageable.
- Up to 99% financing available for qualified borrowers
- No private mortgage insurance (PMI)
- Down payment assistance available for qualified applicants
Need Help Finding the Right Home Loan? Let’s Talk It Through
Robyn was unbelievably attentive and patient. Her service was the best service I’ve ever received from any banking institution.
See The Numbers With Home Loan Calculators
Home Loan FAQs
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How do I get prequalified for a home loan or mortgage?
Getting prequalified is an easy way to see how much you can borrow before you start shopping seriously. You can get prequalified online in minutes and get support from our mortgage team before you get started on your homebuying or renovating process. Click here to prequalify online in minutes.
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Can I apply for a Horizon Bank home loan online?
Yes. Whether you’re buying a new home or exploring refinance options you can apply online. And, if you wanna talk things through first you can connect with a Horizon Bank mortgage advisor.
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What types of home loans and mortgages does Horizon offer?
Horizon offers conventional mortgage loans, FHA loans, construction loans, VA loans, jumbo mortgages, specialized options, and other zero-down options for first-time homebuyers. Our home loan experts are here to help you find a personalized solution to turn your homebuying dreams into a reality.
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Can I refinance my current home loan with Horizon?
Yes. Horizon offers refinancing options for current homeowners. If you’re looking for a better rate or a shorter term, you can apply online, check rates, or talk with a mortgage advisor to explore your options.
Ready to Get Started?
Check Rates
See rates and find the best loan for your situation.
Find a Home Loan Advisor
Let our team guide you along your homebuying journey.
Access Your Mortgage Account
Make payments, see your balance, and manage your loan at your fingertips.
Apply for a Home Loan Online
Take a step closer to homeownership in just a few clicks.
More Ways to Do More With Your Money
Financial Planning
Work with our trusted advisors to build your long-term financial strategy.
Money Market Accounts
Grow your savings and keep easy access to your funds with an interest-earning account.