Your Homeownership Goals Start With the Right Mortgage

It is, and shall be, the policy of Horizon Bank to make its loan products available to all qualified applicants without discrimination because of race, color, religion, sex, sexual orientation, gender identity, national origin, marital status, familial status, age (over that of majority), disability, receipt of public assistance, or good faith exercise of rights under the Consumer Credit Protection Act, the Equal Credit Opportunity Act, or the Fair Housing Act.  Horizon also complies with state and local laws that apply to lending transactions.  It is, and shall be, the Bank’s policy to encourage the completion or submission of an application for credit by any applicant on any of these bases and to ensure equitable treatment of all customers in making loans available.  Horizon’s policy equally applies to non-credit banking products, including deposit accounts.

We expect that Horizon’s employees will demonstrate to its customers that they value, respect, embrace, and champion diversity in all aspects of Horizon’s activities; that they will not engage in or tolerate any form or act of discrimination or harassment toward customers or potential customers; and that they will be vigilant against any such conduct, remain open and accessible to all, and treat those that the Bank serves with respect and dignity.  Our employees are asked to demonstrate and deliver fair and equitable treatment for all.

Horizon will actively seek to market its products and services to diverse communities, including people and communities of color, people with disabilities, people with language barriers, people with varying socioeconomic statuses, and other underserved populations.  We will be proactive in our efforts for community outreach to ensure that all areas of the communities where Horizon does business are represented in its endeavors.  These efforts will include developing organized partnerships with organizations serving various underserved groups, supporting financial literacy and homeownership counseling programs, and making money available to support homeownership assistance initiatives tailored to first-time homebuyers in underserved communities.

Horizon commits to a process through which customer complaints about inequitable treatment will be addressed promptly, comprehensively, and by considering how similarly situated persons of a different race, national origin, or other status have been or would be treated by Horizon.

Horizon will devote special attention to the credit needs of low- and moderate-income neighborhoods within the communities in which it does business.  Consistent with safe and sound banking practices, Horizon will provide financial services to all income segments of its market.

The advertising of the Bank and all of its communications to the public shall be designed to make the Bank’s current and potential customers aware that Horizon makes its products and services available without discrimination and that Horizon welcomes the opportunity to do business with every member of the community.  Horizon will undertake specific activities to encourage a wide range of customers to approach its offices and to consider it as a financial service resource.

The success of Horizon’s commitment to diversity, inclusion, and equity is the responsibility of the entire organization.  Horizon’s fair lending practices apply across all aspects of its operations, 

including marketing, loan origination, processing, underwriting, servicing, and collection activities.  Horizon’s commitment to equity and diversity is demonstrated in terms of its structure and organization, employee accountability, monitoring and auditing programs, training, and technology.  Horizon’s Chief Executive Officer and Executive Management team are responsible for establishing practices designed to ensure that the Bank’s operations reflect its strong commitment to treat everyone it serves with respect and dignity and to demonstrate and deliver fair and equal treatment for all.

Horizon will continue to look for objective ways to support and evaluate employees as they advance diversity and inclusion in all of the Bank’s business operations.

Prequalification is an easy way to estimate how much you may be able to borrow based on your financial information. It’s a great first step that gives you a clear picture of your budget before you start looking for a home. Click here to prequalify online in minutes.

The right mortgage depends on several factors, like your goals, financial situation, and how long you plan to stay in your home. We have tons of mortgage options from fixed-rate and adjustable-rate options to specialized programs such as FHA loans, VA loans, and first-time homebuyer programs. The best way to find the right fit is to talk to one of our experienced mortgage advisors. Make an appointment here and start taking steps toward your next move.

Yes. We offer programs designed for a range of credit situations, such as options for borrowers with limited or non-traditional credit histories. Speaking with an advisor is the best way to understand what’s possible for you.

A fixed-rate mortgage keeps the same interest rate for the life of the loan, while an adjustable-rate mortgage may change over time. Fixed rates offer stability. Adjustable rates often mean lower initial payments.