Step 1: Determine Your Budget After your visit to www.signaturehomes.ws, you will have some idea of what kind of home you want and which community you would like to live in.  Use our Mortgage Calculator to determine your monthly payment.  It's a good idea to get pre-approved so you can determine your budget.  To become pre-approved, contact your lender or select the Heartland Bank lender in your area below to determine a loan amount you qualify for.  Heartland Bank is a local lender with locations through out Central Illinois with excellent customer service.