Your home buying journey begins here.

Horizon Bank is a leader in the mortgage industry, and many of our customers have said they would recommend us in the future. We offer loans that meet various mortgage needs from conventional fixed and adjustable rates to Jumbo, FHA, and construction loans.  Whatever is next for you, our mortgage loan advisors are ready to go to work for you.

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    Buy a Home
    When you’ve found the perfect home, our expertise and exceptional service will streamline the process for you. Click here to apply now.
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    Refinance
    Lower your interest rate or monthly payment, shorten the term of your loan, or get cash out to pay off debt or for that project, you have been planning. Click here to apply now.

  • Manage my Application

    Check the status of your application and review your documents.
    Manage my application

  • Find a Mortgage Advisor

    Let your dedicated Advisor answer all your questions and provide peace of mind – start to finish.
    Find a mortgage advisor

  • Check Today's Rates

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    We offer competitive interest rates and personal service.
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Why Horizon?

Robyn was unbelievably attentive and patient. Her service was the best service I’ve ever received from any banking institution.
Bryce W.
Our mortgage professional was knowledgeable, gave good guidance, and had a team working with him so we never had to wait on questions to be answered.
Pamela B.
The personal attention above and beyond what was expected.
Bonnie H.
Peggy was very fast and made sure I understood the process.
Artemio S.
The staff was friendly and made it extremely easy for me to open my new account and also made me feel very comfortable in the decision I made to go with Horizon bank For my financial needs.
Eric S.
They were thorough, responsive, and collaborative.
Dannielle R.
I have been using Horizon for more than thirty years and have always been treated great.
Maynard S.

I have been working in the Mortgage Industry for 25 years and have worked for many lenders. Horizon Bank is by far the best bank/lender I have ever worked for.  

Deanna R.
I worked with Sean and he was great. I like being able to deal with the same person who knows my business and I don’t have to go through a bunch of questions that should be already known. 
Matthew M.
Horizon went above my expectations, made my first home buying experience easy. I highly recommended Horizon to all my family and friends! 
Daisy
Our Mortgage Loan Advisor kept in constant communication with us, making the process easy and seamless
Surita T.

Local Expertise

The key to financial success can often come down to the knowledge, experience, and ability of the team of advisors right in your backyard.

 

Tailored Options

Horizon Bank’s experienced Mortgage Advisors will help you navigate all of your loan options to find the right choice for you and your family.

 

Dedicated Service

With personalized service and straightforward solutions, Horizon Bank provides dedicated mortgage loan advisors and support teams from start to finish.

 

When it comes to home loans, there is no such thing as one size fits all

Jumbo Mortgages

Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-valued or luxury home.

Construction Loans

Are you building your dream home?  Eligible property types include primary and second homes, single-family including both stick-built and modular.

Adjustable Rate Loans

Need a home, but don’t see yourself staying there for the long term? Your best option may be an adjustable rate loan.

Conventional Fixed-rate Loans

Planning on staying in one home for a long time? A fixed-rate mortgage may be your best option.

Government loan options

FHA Home Loans

Affordable housing assistance programs can help qualified homebuyers achieve successful homeownership.

Learn more

Veteran Loans (VA)

A VA home loan is specifically designed for veterans, active-duty military service members, and their families who would like to buy a home. 
Learn More

HomePride Loan

This program is designed for customers needing down payment assistance and non-traditional credit. Take our home ownership course Framework® to prepare for sustainable home ownership.

Learn more

HomeStyle® Renovation Mortgage

This is a Fannie Mae program that allows borrowers to include financing for home improvements in a purchase or refinancing of an existing home which means lower closing costs on a first mortgage.

Learn more

HomeReady® Mortgage

Built with today’s homebuyers in mind.  HomeReady® Mortgage is designed to help serve today’s credit-worthy low-income borrowers. 
Learn more

USDA/Rural Development

USDA loans are zero-down-payment, low-interest-rate mortgages guaranteed by the government. They help low-to-moderate income buyers become homeowners in rural areas.
Learn more

Community loan programs

Section 8 Mortgage Financing

A new mortgage lending program developed by Horizon that allows qualified recipients to utilize their HUD-funded Section 8 housing allocation to make their home mortgage payments.
Request information

Homeowner Ready Cash Program

A loan that provides immediate cash for the immediate home improvement needs that families and individuals find to confront them every day. A loan with immediate cash and affordable payments.  
Request information

Homeowners Improvement Program

Have a need for home improvement but without the credit history to obtain the traditional loan? This program was developed to allow you to fulfill those needs.

Apply now

Starter Overdraft Protection

This program is for customers who are looking to establish a credit history as well as protect their checking account. 
Request information

Fresh Start Loan Program

This program is designed to give the borrower a unique opportunity to reenter the credit market and turn past credit problems into a more positive rating. 
 Request information

 

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Where we lend

Whether you are looking to buy a new home for relocation or invest in a second one, Horizon Bank can help. We specialize in helping families achieve their real estate goals by providing competitive loan products that get you where you want to be.
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Manage your Account

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    Pay Online

    Connect your Horizon Bank checking account to your loan, or another financial institution, to set up automatic payments.

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    Pay by Phone

    Pay using Horizon Bank’s fast, easy-to-follow automated system, and make loan payments free of charge.

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    Transfer Money
    Log in to online banking to transfer your payment from your Horizon Bank checking or savings account to your Horizon Bank loan. 

Sensible Advice

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