Protect yourself from fraud: We will never ask for your password, PIN, or one-time passcode. If something seems suspicious, contact Horizon Bank directly.

Buy. Build. Refinance.

Make the Next Move with Horizon Home Loans

We’re here with the support you need to make home happen, whether you’re a first-time home buyer, building from the ground up, or refinancing the home you’re in.

Apply Now

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.

Apply Now

Manage My Application

Check Mortgage and Home Loan Interest Rates

Explore our competitive rates and see what fits your budget and your next move.

View Rates

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.

Let's Connect

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 Prequalified Today

Support From Start to Finish

When it comes to making big moves, you’re never alone. From your first question to closing day, you’ll have a Horizon home loan expert to walk you through the process.

Loan Options Tailored to You

Whether you’re buying your first home, building, refinancing, or looking for a specialized mortgage, we have tons of flexible home loan types for your situation.

A Clear, Focused Process

Buying a new home or improving your current one is a wonderful step in life. We make sure it doesn’t feel like a burden. That means clear communication, timely updates, and support when you need it.

Competitive Rates and Flexible Options

With competitive home loan rates and programs for a variety of situations, Horizon helps you find a solution that works for your budget today and your plans for tomorrow.

Online Tools to Keep Things Simple

Apply online, check rates, make payments, and stay connected throughout the process with online banking that makes it easier to take the next step and stay on top of your loan.

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.

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.

Fixed interest rate for the full loan term
Consistent principal and interest payments month to month
Ideal for long-term budgeting and payment stability

Apply Now

View Rates and Learn More

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

Apply Now

View Rates and Learn More

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.

Lower initial rate than some fixed-rate options
Rate, principal, and interest can change after introductory period
Good fit for short-term homeownership or changing financial plans

Apply Now

View Rates and Learn More

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

Apply Now

View Rates and Learn More

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

Apply Now

View Rates and Learn More

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

Apply Now

View Rates and Learn More

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

Apply Now

View Rates and Learn More

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.