Got This "Urgent" Mortgage Letter? Read This Before You Call.

Have you recently received a letter or postcard claiming to be about your mortgage through Heartland Bank?

You're not alone.

We've heard from customers who have received official-looking letters claiming their home warranty has expired, that they must "verify" their mortgage information, or that they need to call immediately to avoid losing coverage or falling out of compliance with their mortgage loan.

❌ These letters are NOT from Heartland Bank.

Why did I receive this?

After purchasing or refinancing a home, certain information about your mortgage becomes part of the public record. This can include information such as:

• Property address
• Mortgage lender
• Borrower's name
• Loan amount
• Recording information

Third-party marketing companies often use this publicly available information to send advertisements for products like home warranties, mortgage protection insurance, or other services.

Heartland Bank does not sell your personal information.

How to spot a misleading mortgage solicitation

Some of these letters are designed to create urgency by using phrases like:

• "FINAL ATTEMPT TO CONTACT YOU"
• "Immediate Action Required"
• "Your Home Warranty Has Expired"
• "You May Be Out of Compliance With Your Mortgage"
• "Registration Is Required"

While these statements may sound alarming, they are often simply marketing tactics intended to persuade you to purchase a product or service.

Below is a sample letter claiming to be from Heartland Bank. ⬇️

Watch for these red flags:

🚩 The letter creates unnecessary urgency or pressure to call immediately.

🚩 It asks you to "verify" information over the phone.

🚩 It promotes a home warranty or protection plan you never requested.

🚩 The phone number listed is NOT a Heartland Bank phone number.

What Heartland Bank Will Never Do

• We will never send confidential account information on a postcard.
• We will never pressure you into purchasing a home warranty or other third-party product.
• We will never ask you for your personal information.

What should you do if you receive one?

• Don't panic.
• Don't assume it's from Heartland Bank just because our name appears on it.
• Contact your local Heartland Bank branch directly or call 800-759-3119 before taking any action.