Laughing family moves into new home after getting a mortgage from Gate City Bank

Mortgages Are Simply Better Here

As the #1 mortgage lender in North Dakota, we offer innovative services that make homebuying, refinancing or building your dream home turnkey.

Let's Get Moving! How Can We Help?

Mortgage Loan

Our mortgage loan application process is quick and easy to keep you focused on the most exciting part: your new home!

Refinancing

You're in the right place! We'll help you refinance – which could mean shorter loan periods, lower payments or even additional cash for that remodeling project you've been dreaming of.

New Construction

With our options for 15- or 18-month rate locks and the ability to stay in your current home while your new home is being built, we'll make it easy to create your forever place.

  • Keeping You Local

    100% of our home loans are serviced locally.

  • Simple Pre-Approvals

    They're fast and free!

  • Convenient Digital Signing and Closing Options

    Can’t meet in person? We make signing documents easy throughout the entire process.

young first time homebuyer father plays with baby on kitchen floor of new house

Homebuying Basics.

There's a lot that goes into buying your first home. We've gathered all the information needed to assist you in preparing to take the leap.

Introducing Our BetterLife™ Student Loan.

The first and only program of its kind in the nation, the BetterLife™ Student Loan allows you to consolidate student loan debt at a low fixed interest rate with no fees. Just finance or refinance your home with Gate City Bank!

Neighbors Helping Neighbors.

When you close on your new home, we will donate $50 to a charity1 of your choice. Thank you for helping us build a better way of life in our communities!

RP Test.png​Mortgages We Stand Behind.

With our Blue Standard pre-approval, low rates, competitive fees and trust with real estate agents and sellers ensure a smooth process from heart to home. You’ll have peace of mind knowing your pre-approval will come through on closing day! 

 

1 Donation will be sent to the charity of your choice within 120 days of loan closing date. Charity must be approved by Gate City Bank.