Want to Refinance?

Buying a Home?

Helping Your Home Help You

With over 33 years combined experience in mortgage lending, Heartland Home Mortgage is a locally owned West-Michigan based lender offering conventional, FHA, VA, and portfolio loan products for both purchase and refinance loans. Our main goal is to maximize the financial benefit your home’s equity can provide you, by reducing your monthly payment with a rate reduction, debt consolidation, shorter term, etc.

It’s our mission to sit down with our clients, face to face, to make sure we accomplish the most important goals our clients have through the financing of their homes.

VA Loans

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  • twolf67
    We have worked with Dave several times over the past few years, both for ourselves and our daughter. He did a great job of finding options even when others said there was no way.
  • trogers9
    Have used Dave at Heartland Home Mortgage multiple times. Highly professional, thorough, and nothing unexpected when working with them. Definitely recommend. A+
  • my3sons01
    Dave Galloway and Heartland Home Mortgage LLC made our home mortgage process easy! He did all the work, we signed, and that was it. Stress-free on our end, and a very easy process!
    Great company, very easy to deal with, Dave was fantastic!
  • Richard P.
    I contacted Heartland Home Mortgage several months ago to get information on a refinance of my home. I was put in contact with Mr. Alex O******. Alex is the very best in this field. He explored every possible option. He went way above and beyond. Helping us accomplish our goal to refinance our mortgage. I don't think there is anyone else who would have put in the time and effort to accomplish this results. I could go on and on, He is the best.
    Richard P.
  • Andrew D.
    We worked with Alex, he was a very nice loan officer. He told me he would get my loan closed fast and that's what happened also we got to close at the destination we wanted. We ended up getting the value we needed. Being a disabled veteran he also directed me to what I needed to do, to not have to pay taxes on my house.
    Andrew D.
  • Nancy Y.
    Alex worked very hard to make sure our loan was handle in the best way possible. We are self employed and that makes it difficult to get a loan but Alex went over and above to make the process a positive one.
    Nancy Y.
  • Patrick R.
    I have purchased 4 houses and refinanced numerous times in my life, this was by far the best service I have ever received. David Galloway came to my residence to meet and explain all of my options. They where very fast getting things processed and made the whole experience very easy. I would definitely recommend Heartland Home Mortgage to anyone seeking to refinance or purchase a home.
    Patrick R.
  • Pamela W
    We recently completed a refinance with Mike I******** of Heartland Home Mortgage and couldn't have been more pleased with the entire process. From the initial meeting (at our home) to the signing of the paperwork (at our home), the entire process was seamless. I would highly recommend Heartland for any mortgage needs.
    Pamela W
  • Tom A.
    Tom A.
  • John S.
    This was my experience with Heartland Home Mortgage, Mine was a refinance I had to combine a 1st and 2nd mortgage into one and also do a quit claim deed due to a divorce. Dave G******* came right out to my house and collected all my paper work etc. and went to work. His communication was great through the whole process, he was able to delivery everything he said he could. I was able to handle all the communications on line or on the phone never had to drive any where etc. My closing was done right at my house at a time that worked best for me. I am a hard one to please and have high expectations , Dave and his team held up to my standards! If you are looking to get a mortgage, I highly recommend Heartland I believe you would be as satisfied as I was.
    John S.
  • Patrick E.
    My wife and I are self employed farmers and we selected Heartland Mortgage . And we are glad we did especially dealing with Alex O******. He was insightful, very personal and down to earth helpful representative of Heartland Mortgage. He made the experience of getting our mortgage wrapped up in a timely manner since my wife and I are very busy people. I wante to personally thank Alex for his hard work.
    Patrick E.
  • Mark B. G.
    Mr. G******* was very pleasant to talk with which made it easier to communicate. He worked very hard to get us the right VA mortgage, which is a little different than a conventional mortgage He and my insurance agent ********** worked vary well together too keep in constant contact with (FEMA) to get the flood certificate I needed for the loan to go through. *****************
    Mark B. G.
  • Scott K.
    Based on the information I provided ***********, Heartland Home Mortgage was one of the recommended matches. While I received calls from many Mortgage companies, most were call centers. Alex O****** called me from Heartland who was a Mortgage Loan officer who would handle my request directly. He quoted me a great rate that ended up being my final rate. At one point, closing costs were exceeding what he originally quoted, and they gave me a credit toward closing costs reflective of the original quote. An Appraiser was sent out quickly, and since this was a second home, the entire closing was done remotely at our primary residence so it was convenient.
    Scott K.
  • John S.
    Dave did a great job for us. He is honest and straight-forward and is able to discuss the benefits and detriments of different options. I highly recommend working with him.
    John S.
  • Kirk T.
    We refinanced our mortgage with Heartland and found them to be diligent, conscientious, and knowledgeable. They successfully found a better rate which will save us thousands in the future. Their great strength is their communication skills. We were kept in the loop at all times and understood the process all along. When Mike I******** says that he will call you, he does. When Mike says that he will follow-up with you in six months, he does! Working with Mike has been a positive experience!
    Kirk T.
  • Steven A.
    Dave came through with everything lower payment and less years. Heartland Home Mortgage is easy to do business with everything was done in our own home.
    Steven A.
  • Kevin B.
    Brett V******** of Heartland Home Mortgage really helped me out through thick and thin with my refinancing. I had a really unusual situation that caused the whole process to take about 4 months, but Brett really stuck to it and was very helpful in guiding me on what I needed to do and explaining all the options and events as we went along. Very satisfied after it was all said and done.
    Kevin B.
  • Bert M.
    I have had a number of mortgages over the past 30 years and my experience with Heartland Home Mortgage and Jeff was certainly one of the best. The whole process was easy and took less than 30 days. The terms were not changed on me at the last minute and when Jeff gave me my initial savings on my payment it turned out to be very accurate. I highly recommend Heartland.
    Bert M.
  • Monica H.
    My experience with Heartland Home Mortgage was exceptional from start to end. Brett V was amazing to work with and kept me informed of every step of the process. The refinance on my home went smoothly. I have nothing but great things to say about Brett and would for sure use them again. I also would recommend Brett and Heartland Home Mortgage to anyone with mortgage or refinance needs.
    Monica H.
  • Eric B.
    Heartland offered me a fantastic experience with my new home purchase. Brett V******** and the entire staff did a great job consulting, communicating and making the experience incredibly smooth. I highly recommend that you use this firm for any mortgage needs. You simply won't find a better group to work with!!
    Eric B.
  • Ryan M.
    After reviewing several different mortgage company, we finally found Brett V******** at Heartland Home Mortgage. I couldn't be happier with our decision. Buying your first home can be a very daunting task and Brett was extremely helpful in answering all our questions and laying out the whole process. More importantly, Brett gave us a great rate with exceptional service. Really the best of both worlds. I had done extensive research with other mortgage companies and had several bad experiences. It was a relieve to have found Brett who gave us a fair approach to the home buying process. I would absolutely recommend him for anybody looking to buy a home.
    Ryan M.
  • Lauren K.
    I had a great experience with Heartland Mortgage. I worked with Joe C****** who was very professional and provided a great deal of information. Joe came to ******* where I live and met with me to explain my options fir a refinance. For the closing I was on a business trip to Maryland. They arranged for the closing to take place there. It was not a problem for them to arrange. Overall it was a very positive experience. I will definitely call Joe for any further mortgage needs I may have.
    Lauren K.
  • Karen O.
    We worked with Alex O****** from Heartland Home Mortgage to re-write our Mortgage into a new VA Mortgage and got a great new rate! I Alex was thorough and knowledgeable about the market and the information I would need to pull together. His experience and polite coaching were super helpful and took a lot of the stress out of something I thought would be difficult. I would recommend Alex to anyone I know to get the best interest rate and a smooth process.
    Karen O.
  • Corey H.
    I worked with Alex ******* about year ago when I was in the home buying process. Alex went above and beyond when it came to getting me financed. He was very helpful and knowledgeable throughout the whole process. He also helped me boost my credit score in just a few short months, and in the end he got me the lowest interest rate available. I would recommend Alex and Heartland Home Mortgage to anyone looking to purchase a home.
    Corey H.
  • Linda H.
    Recently worked with Heartland for a refinance of our home. Everything was handled very professionally and, might I say, very promptly. Would definitely use them again. I especially liked that the closing was done right at our home.
    Linda H.
  • Jennifer P.
    My first interaction with Alex from Heartland Mortgage Company was positive one. I explained my situation regarding refinancing my existing mortgage and the trouble I was running into refinancing with a competitor. I was told that the current appraisal, I obtained from the other mortgage company would be excepted and a likely closing date in late June. Alex responded to my phone calls and emails promptly. He was profession with a friendly manner. He was true to his word and my mortgage was successfully refinanced in late June. He came to me with ideas of how to make the equity in my homework for me and prepared a couple of different options for me to work with. All in all the experience was positive and efficient. I was treated with professionalism and integrity throughout my experience with Alex. I would highly recommending Alex to anyone that is seeking a mortgage. Thank you Alex for helping me reach my refinance goal.
    Jennifer P.
  • Nancy F.
    Brett V******** was awesome to work with. Every week he called me to let me know how things were going or if we needed anything, which we didn't. I closed in about a month with no issues at all. I would work with him again in a minute and I would recommend him to family and friends. He was great!!!
    Nancy F.
  • Brad K.
    We worked with Alex, he was a great loan officer. We did a cash out refinance and I got the exact rate he told me he would give me. Everything went smooth for the most part and I would recommend this company and this loan officer to other people.
    Brad K.
  • Kevin R.
    Heartland Home Mortgage was a pleasure to conduct business with. My mortgage was a little complex. They (Mike) were always professional, patient, detailed and continually kept me up to date on the progress of the loan. I would highly recommend Heartland Home Mortgage.
    Kevin R.
  • Katherine Atkinson
    We were blown away by the amazing customer service Chris provided! He worked very hard helping us repair our credit and make our dream of purchasing my childhood home a reality. Chris kept up informed every step of the mortgage process and literally worked around the clock for us. I highly recommend Chris Alicki for your home purchase or refinancing!
    Katherine Atkinson
  • Corey Ryskamp
    Chris Alicki was great to work with. This was my first home purchase and he was there from step A-Z. Chris's customer service is unparalleled, he is always available and able to explain any questions thoroughly. After my experience with heartland and Chris I can say that anyone looking to buy a home needs to get ahold then immediately, you will not be let down.
    Corey Ryskamp
  • James Radle
    Chris Alicki, that's all I can say. If you want someone that puts you first and someone that treats you like family then he is your guy. He did an amazing job on a short notice to get us where we wanted to be. Thank you again big man. We will be back and direct everyone to you.
    James Radle
  • Brian Alicki
    Chris helped us navigate every inch of the mortgage process. I couldn't have asked for a more attentive customer focused person to help us through the largest purchase I had ever made. He made himself available just about round the clock to answer my questions and ease my anxiety! This was truly the best experience I could have hoped for. I will only use Chris Alicki for my mortgage and refinancing and would/do strongly recommend him to anyone who is thinking about purchasing or refinancing a home Thank you Chris!
    Brian Alicki
  • Natalie Cavagnetto
    I was skeptical at purchasing my first home ever being that I am in my 40's. Chris Alicki made contact with me and I immediately had a sense of trust. This was a HUGE step for me and Chris was very understanding of that. He went above and beyond the call of duty and returned my phone calls and responded to my emails and texts with the questions that I had. As if I couldn't have been impressed further, he secured me a lower interest rate obviously working in my best interest. Chris Alicki was a true blessing in my life. For if it weren't for him, I would still be renting. As of October 5, 2015 I am a proud homeowner and I have Chris to thank for that. Chris is prompt, professional and very courteous. Chris kept the process going despite the hurdles that occurred with the mortgage process (not any fault of his own).
    If anyone is looking to purchase a home, I would DEFINATELY contact Chris Alicki. In a world where customer service is often minimal, Chris exceeds the expectations. I have and will continue to refer Chris to anyone looking to purchase a home. Thank you Chris for all you have done! I cannot express enough how wonderful you are. -Natalie Cavagnetto--first time home buyer
    Natalie Cavagnetto
  • Steveo Meyerink
    Jeff did great things for us and made it ridiculously easy every step of the way. If I would've known buying a house was this easy, I would've done it years ago.
    Steveo Meyerink
  • Lori Dewildt
    I have dealt with mortgage companies a few times and this was the fastest, very simple, and convenient company ever. They came to my house to start and to finish I didn't have to drive all over and find offices it was great. All people involved , Mike and Brent were very informative and very patient. I would recommend them and heartland to anyone. Thank you again.
    Lori Dewildt
  • Nikki Alicki
    We got our home mortgage back in 2011. We had no idea what we were doing while trying to purchase our first home, but Chris helped us every step of the way. We got the lowest interest rate and no money down loan and are still very happy with our experience. Highly recommended!
    Nikki Alicki
  • Bethany Bravata
    Chris helped my husband and I refinance our mortgage. He was great at answering all of our questions and worked hard to get us the lowest interest rate possible. He goes the extra mile for his clients and I would highly recommend him to anybody looking to buy or refinance a home.
    Bethany Bravata
  • Logan Ellyson
    In April 2016 I decided it was time to make the huge decision to be a home owner. I had been doing research online about mortgages and what to look for. I knew that I wanted someone who would treat me like a person and understand my position. Chris Alicki from Heartland Home Mortgage actually reached out to me regarding my inquiries online. I have to say after looking at several options, Chris immediately impressed me. He was personal, knowledgable, and he understood my urgency and matched it. I was very impressed with his follow through. There were several hiccups in our buying process and he was completely open and honest with us. The icing on the cake was the day before we closed he called and had found a way to save us about 35% on our closing costs!!
    If you are looking for someone to guide you through the process and fight for you, Chris is your guy! I can say not only did he get us a great mortgage, but he became a friend through the process.
    Logan Ellyson
  • Vickie Munday
    Everything was smooth and easy, Dave guided me through every step of this process......
    Vickie Munday
  • Lisa Peterson-Hubert
    Chris Alicki did a fantastic job with our project. He was always in contact to keep us updated on the progress. He worked very hard to get everything through for us. I would highly recommend Chris!
    Lisa Peterson-Hubert
  • Steve Bravata
    Chris was fantastic to work with through the refinancing of our home. He worked through multiple issues, and was able to get us what we needed at an amazing rate!!!
    Steve Bravata
  • Laura Baird
    So thankful for Chris Alicki's attention to detail, willingness to help and always making sure we had the correct information. He takes as much stress out of buying a new house as he can. Thank you so much!
    Laura Baird
  • Morgan Hanks
    Chris was helpful, efficient and compassionate. He even helped me navigate my credit score. Would recommend Chris to all of my friends and family!
    Morgan Hanks
  • Terry Dunn
    I highly recommend Heartland Home Mortgages and Chris Alicki. This is my 2nd time refinancing with Chris. Excellent customer service and quick response time!!
    Terry Dunn
  • Melissa Price
    Chris Alicki is great to work with. Very friendly and makes it easy!
    Melissa Price
  • Shannon Nicole
    Chris Alicki was great to work with. I highly recommend talking with him.
    Shannon Nicole
  • Lauren Daney
    Helpful. Knowledgeable. Fast. Caring. Willing to go the extra mile...or 100 miles in our case. Joe is awesome!
    Lauren Daney
  • Randy Oosterhouse
    Great company!! They made our mortgage process easy! Give Heartland Home Mortgage a try!
    Randy Oosterhouse