Government Loans with Horizon - click to learn more

When it's time to make your move Horizon Bank is here to streamline the process for you. For over 145 years, we've been working with neighbors of our communities buy, build, remodel and refinance their homes. We'd love to help you make your dreams come true too! One way we make the process so easy is by investing time in you. 

Find a loan advisor near you.


A New Home Loan in 30 Business Days or Get $500 Guaranteed!*

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*Horizon Bank will guarantee that new home purchase loans will close within 30 business days. This guarantee requires that the applicant, the sellers, and the real estate agents must be available to close the transaction on or before the 30th business day. The 30 business day closing window is dependent upon receiving the following documentation within 2 business days after the date on the original signed application:

  • Receipt of the required signed application disclosures returned to the bank from the applicant.
  • All requested loan documentation as required from the applicant. This required information is provided by the mortgage loan advisor during the application process or via online disclosure when application is submitted online.

In addition, access to the property for appraisal must be given within 3 business days after the seller is contacted by the bank’s assigned appraiser.

This new home loan guarantee applies to the following mortgage loans:

  • A conventional mortgage loan in amount no greater than current GSE maximum loan amount with a minimum down payment of 10%; 
  • The home being purchased must be located on a property of less than 10 acres, within a 25 mile radius of the nearest Horizon Bank Office, and occupied as your primary residence or second home.

The guarantee is void if Horizon Bank is delayed or unable to obtain information from third party vendors when obtaining verification of employment, assets, income, approval from private mortgage insurance, or eligibility related to government benefits. The guarantee is also void if any change in circumstances occurs requiring that revised, federal disclosures be re-issued to you. Examples of such circumstances are: A change of loan amount, loan terms, loan rates or fees; a change of loan program or product; or a change of sales price or appraised value.

If the loan is approved and the loan is not closed within the 30 business days of receipt of all required documentation as noted above, Horizon Bank will credit the borrowers $500 off the closing costs of the loan. This new home purchase guarantee offer is for loans closed with Horizon Bank and is subject to change without notice, and may be modified or discontinued at the Bank’s sole discretion.

Home Loan Programs

USDA/Rural Dvelopment Loans - Government programs make it easier than ever for rural Americans to qualify for refinancing and save. To find our if you qualify and learn how much you may be able to save, contact an advisor in your area today!

Adjustable & Fixed rate Loans - available in varying term lengths and are popular for buying or refinancing a home. And for those first-time homebuyers, we are here to help you determine what you can afford and review your financing options including down payment and assistance programs.  Find a local advisor near you.

Construction & Renovation Loans - Whether you are constructing your home from the ground up, making simple to major repairs and energy improvements on your current home, or looking for affordable housing assistance, we can offer a variety of options.

Jumbo Loans - Need more room for a growing family or to display your treasured possessions? Our jumbo loans allow homebuyers to borrow up to $2 million for the purchase of their next home.

Specialized Loan Programs - Horizon offers unique loan programs specific for Physicians, Residents, Fellows, Podiatrists, Optometrists, Dentists and even Physician Assistants. Contact an advisor for more information.