Heritage Harbor & Mutual of Omaha
Imagine life in a thriving, resort-style community with homes starting in the low $300,000s. Heritage Harbor in Ottawa, IL, offers an affordable way to enjoy the amenities and lifestyle you have been dreaming of—all without leaving the comforts of home. Pick the financial support that fits your lifestyle best.
Introducing the Mutual of Omaha
The Lifestyle Home Loan** is an age-based home purchase program for those 62 and better. It requires a one-time down payment without monthly mortgage payments. It was introduced in 2009 and middle income and affluent boomers have been using it to purchase their forever home.
If you dream about purchasing a new Heritage Harbor forever home with a modern design, resort-style amenities and a low maintenance lifestyle during retirement, then you owe it to yourself to learn about this powerful alternative to traditional financing or paying cash to purchase your new home.
Purchase your dream home with no monthly mortgage payments
Introducing the Lifestyle Home Loan: Imagine doubling your purchasing power and slashing your out-of-pocket expenses. For those dreaming of the vibrant, effortless lifestyle at Heritage Harbor without fear of depleting your retirement nest egg, the FHA-insured Lifestyle Home Loan could be your golden key. This program allows home buyers aged 62 or better to buy their dream home with a one-time down payment and no monthly mortgage payments. Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees.
Since January 2009, this program has been quietly changing lives but is rarely advertised. Why haven’t you heard of it? Because it is not offered by most banks or credit unions, and you will not see it on TV. But now, you have the insider knowledge to live the dream at Heritage Harbor.
Whether you pay cash, use a conventional mortgage, a VA loan or a low-maintenance Lifestyle Home Loan**, our sales team can help you choose which financial plan is best for you.
*Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees. **The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase. Larry McAnarney, NMLS ID 21059. Mutual of Omaha Mortgage, Inc. dba Mutual of Omaha Reverse Mortgage, NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. Illinois Residential Mortgage Licensee MB.6761115. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. Subject to credit approval. For licensing information, go to: www.nmlsconsumeraccess.org #1544475385 Expires 12/2028
Conventional mortgages are the most common type of mortgage offered by most lenders and have stricter requirements than government-backed mortgages. They are conforming loans and adhere to the Fannie Mae and Freddie Mac guidelines with conforming loan limits.
Fixed-rate loans are the most common home mortgage. Most fixed-rate mortgages have a term of either 15 or 30 years. The mortgage interest rate stays the same for the entire loan term. Fixed-rate loans offer more stability and predictability than adjustable-rate loans which makes it easier to budget for your housing costs.
Adjustable-rate mortgages have a variable interest rate. They are often fixed for an initial period, such as five years, and then adjust annually for the remainder of the loan term. The interest rate usually starts out lower than a fixed-rate loan, but the rate can increase over time making them more unpredictable and harder to budget for.
VA loans are backed by the Department of Veterans Affairs. They do not require a down payment or mortgage insurance but do have an upfront funding fee.
USDA home loans are mortgages backed or issued by the U.S. Department of Agriculture. They do not require a down payment but do include fees and are generally only available in rural areas.
FHA mortgages are backed by the Federal Housing Administration. They can allow home buyers to get a mortgage with a lower credit score but do have mandatory mortgage insurance premiums.
Mutual of Omaha offers qualified Heritage Harbor buyers in select communities the Lifestyle Home Loan**.
The Lifestyle Home Loan is an age-based reverse mortgage home purchase program for those 62 and better. It requires a one-time down payment (and payment of taxes and fees) without any monthly mortgage payments for as long as the home buyer is living in the home as their primary residence. The Heritage Harbor buyer is free to shop for the best rate and term, and use any mortgage lender of their choosing in the transaction. The purchase price for the home will not change based upon the lender selected by the buyer.
*Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees.**The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.
You can choose either fixed or variable.
Down payment is determined by three factors: age of the youngest borrower, the purchase price of the home, and current interest rate.
Find out what’s possible for you using the LifeStyle Home Loan** based on your age and purchase price of your new home
*Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees.**The Lifestyle Home Loan is a Home Equity Conversion Mortgage for Purchase.
Example shown is for illustrative purposes only. Actual down payment amounts may vary based on interest rate, borrower age and other factors. This range assumes closing costs will be financed into the loan. Closing costs include an up-front mortgage premium of the property value as well as other closing costs such as an origination fee, title insurance, appraisal fee, credit report fee and recording costs. Please check with your Lifestyle Home Loan Specialist for actual figures.
Using the table, match your current age with one of the ages listed along the top row of the chart. For example, let’s say you’re currently 70.
If your age is not listed then you can round to the nearest age listed. The next step is to find the expected purchase price of your new home listed along the left hand side of the matrix and round to the nearest price.
So, for example, let’s use a purchase price of $600,000 and an age of 70. You can see that you would only be required to bring a down payment of $406,494 to closing and NEVER make another monthly mortgage payment*!
Hit the trails and explore Starved Rock Country on two wheels, with a boost! Quest Watersports’ electric bike rentals are a fun, efficient, and eco-friendly way to discover the area’s rich scenery and history. Ride the historic I&M Canal towpath, cruise along the Illinois and Fox Rivers, or venture into downtown Ottawa to explore local shops and attractions, all at your own pace.
Each e-bike is equipped with five levels of pedal assist and a thumb throttle, allowing you to choose how much effort you want to put in. Add in your own pedaling for greater speed and longer battery life, or let the motor do the work for a more relaxed ride. It’s a great option for both recreational cyclists and curious explorers.
Comfortable & Easy to Use: Ideal for casual riders or those new to e-bikes.
Adventure-Ready: Perfect for covering more ground without overexerting.
Flexible Power Modes: Adjust your boost level with the digital display.
Rental Requirements:
Riders must be at least 16 years old (per local ordinance) and able to safely and confidently operate a bicycle.
Riders under 18 must be accompanied by a parent or legal guardian (on their own bike).
A properly fitted helmet and closed-toe shoes are required at all times during the ride.
Looking for a more hands-on way to explore the water? Quest Watersports’ self-propelled rentals offer a fun and active way to enjoy the beauty of the Illinois River and the calm waters of Heritage Harbor’s 32-acre protected marina. Whether you’re paddling solo, with a friend, or bringing the whole crew, we have options for all ages and experience levels.
All rentals include basic safety equipment and a brief orientation to get you comfortable before launching. Guests are welcome to explore beyond the harbor and enjoy over 12 scenic miles between the Marseilles and Starved Rock locks, unless otherwise noted for safety.
Single Kayak: Great for solo paddlers who want to cruise at their own pace. Lightweight and easy to maneuver, ideal for beginners or those looking for a peaceful outing.
Double Kayak: Perfect for pairs, whether you’re teaming up with a friend, partner, or older child. Stable, roomy, and fun to navigate together.
Four-Person Hobie Fiesta Kayak: The ultimate group adventure! Outfitted with four pedal drives, a steering system, and plenty of room for fun. Best for families or groups looking for a social, high-energy ride.
Stand-Up Paddleboards (SUP): Enjoy a full-body workout and a unique perspective from the water. SUPs are limited to in-harbor use only for safety, making them ideal for beginners or those seeking a calmer experience.
Rental Requirements:
Children 12 and under must be accompanied by an adult.
Riders must be able to safely and confidently operate the equipment.
For the Fiesta Kayak: Riders must be 11+ to venture beyond the harbor. Riders 10 and under must remain inside the harbor for the duration of the reservation.
Heritage Harbor’s boat rental fleet offers options for every kind of day on the water, from laid-back cruising to high-energy tubing. All rentals depart from our marina and are available seven days a week, weather permitting (May through October). Leashed pets are welcome aboard, but must have their own properly fitted life jacket. Looking to add some extra fun? A tube can be added to any rental for just $50.
Each rental includes a full tank of fuel, basic safety equipment, and a pre-launch orientation covering boat features and the boating area.
Leisure Cruising Pontoon: This classic, budget-friendly pontoon is perfect for slower-paced, relaxed outings with smaller groups. It seats up to 10 people comfortably and is equipped with 90 HP engines, ideal for cruising, sightseeing, or anchoring near a beach.
Or upgrade to the Premium Fleet: Designed for adventure, our tritoons offer greater speed, stability, and power with 115 HP engines. They’re a great choice for tubing or simply covering more ground on the water. With a capacity of up to 12 people, they’re ideal for families or larger groups looking for high-energy fun.
Rental Requirements:
Renters and all boat operators must be at least 18 years old and provide a valid driver’s license or state-issued ID. A working cell phone must be on board during the rental, and the primary operator is required to complete a free online Boating Safety Certification (a link is provided in your confirmation email).
Job Description | 2026 Season
Job Type: Seasonal (35 hours/week)
Pay Range: $20+ hour (based on experience)
Location: Heritage Harbor Marina | Quest Watersports – Ottawa, IL
Heritage Harbor Ottawa is a master-planned marina resort community located along the Illinois River. The Harbor features a 32-acre marina, waterfront dining, pools, parks, events, and year-round recreation, all designed around connection, lifestyle, and attention to detail. In partnership with Quest Watersports, the marina delivers a high-quality boating experience through rentals, guest services, and on-water support.
The Boat Operations Lead plays a key role in supporting daily marina and boat operations during the peak boating season. This is a hands-on, outdoor position requiring strong boating experience, sound decision-making, and a high level of dependability. This role supports both customer experience and operational execution, ensuring boats, docks, and services are running smoothly and professionally at all times.
This role is an opportunity to be part of a growing marina operation focused on delivering a high-quality boating experience. If you are confident on the water, take pride in your work, and enjoy working in a fast-paced outdoor environment, we encourage you to apply.
