Ready to buy your dream home? Contact us today about the following loan options: Conventional Rural Development Jumbo FHA/VA Zero Down Down Payment Assistance HERITAGE BANK CHRIS VRAA LOAN OFFICER NMLS# 580203 612-688-5764 N.A. cvraa@heritagebankna.com *All loans are subject to approval. Terms and conditions may apply. NMLS# 446440 heritagebankna.com Member FDIC EQUAL HOUSING LENDER Ready to buy your dream home ? Contact us today about the following loan options : Conventional Rural Development Jumbo FHA / VA Zero Down Down Payment Assistance HERITAGE BANK CHRIS VRAA LOAN OFFICER NMLS # 580203 612-688-5764 N.A. cvraa@heritagebankna.com * All loans are subject to approval . Terms and conditions may apply . NMLS # 446440 heritagebankna.com Member FDIC EQUAL HOUSING LENDER