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HomePersonalMortgageBuy a HomeHometown Program

Hometown Program

A special mortgage designed to make home buying easier on your budget.

Building community one affordable mortgage at a time.

At German American Bank, we want to help make your dream come true by working with you to find a mortgage that makes the most sense for you. That’s the focus of our Heartland Hometown Program.*

Features & Benefits

  • No down payment required if you qualify for the program
  • 360 month, fixed rate loan
  • No private mortgage insurance (PMI) required
  • Gift or grant is allowed if needed
  • Free prequalification

Ready to Get Started?

Apply NowGet PrequalifiedMortgage Quick QuoteMortgage Calculators

This account pairs well with:

Smartest Home Equity Line of Credit$MART CheckingFinancial Education

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Financial Resources

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Access to security tools, CD calculators and more at your fingertips. View Resources

*An example monthly payment for a $215,000 loan for a 30-year fixed rate term with an Annual Percentage Rate (APR) of 7.278% as of 10/7/2025, would be 359 payments of $1,466.68 and one final payment of $1,465.83. The actual payment amount will be greater as the example payment does not include any applicable taxes and insurance premiums. Minimum credit score of 660 to qualify. Applicants will need to take a homeownership class. This special loan program is for applicants that are purchasing a home in a low-to-moderate income census tract or for applicants with low-to-moderate income. All mortgage applications are subject to credit review and approval. Actual rates may vary based on credit history. Other terms and conditions apply. Contact your nearest office location for details.

  • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2026 German American Bank . All rights Reserved

Routing Number #:
083904563
Call Us
(812) 482-1314 or (800) 482-1314
Bankline 24
(800) 536-0660
Treasury Support
(800) 482-1314, ext 2500
Equal Housing Lender FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2026 German American Bank . All rights Reserved

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