Applying online is easy and secure. You can apply now using the following steps:

1. Click Apply Now and complete the application.
2. When you have completed the application, click submit and your information will be reviewed.
3. A Community First Bank of the Heartland Loan Officer will follow up to answer your questions.

Apply Now

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 618-244-3000.

Community First Bank of the Heartland Benefits

Still want to have personal assistance?

You can call or e-mail one of our Loan Officers to answer any of your questions or to ask for advice.

Ready to close on your mortgage quickly?

We are not like large corporate banks, we make local decisions with experienced lenders to help you every step of the way. We will do our best to meet your expectations for closing. It's easy to get started. Complete your on-line application today! We are honored that you have chosen us to help you!

Free Pre-Approvals

We offer free pre-approvals so you can shop for your home knowing that you can afford the mortgage. Press apply now and look for the pre-approval radial button.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Officer is always just a call or e-mail away!

Residential Mortgage Application Package PDF printable forms