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

Welcome to Your First Home

It's a big commitment: Deciding it's the perfect time in your life to purchase your first home! We're thrilled you've decided to partner with us through the process, and we promise to keep it simple and helpful every step of the way.

Being the #1 mortgage lender for first-time homebuyers in North Dakota, we understand that this milestone comes with a lot to consider. Our user-friendly tools, competitive rates and digital options keep you moving at just the right pace. But first things first, let's meet the team and find you the perfect lender.

Meet Our Lenders

Easy Homebuying Checklist

  1. Contact a Lender

    From application to closing, we'll take care of you and keep you updated along the way. Contact us today!

  2. Check in on Your Finances

    Learn about six easy ways to save for a down payment.
  3. Try Out Our Homebuying Calculators

    Easily figure out how much home you can afford, estimate your mortgage payment, compare interest rate options and more! See our calculators.
  4. Learn About Our BetterLife™ Student Loan Program

    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. You may even qualify for a larger home with a smaller payment!
  5. Access Helpful Financial Education

    Our educational tools are useful, fun and easy to digest – and we have a resource library specific to new homeowners.
  6. Lean on Us

    Our Blue Standard pre-approval stands out amongst the crowds. We guarantee low rates and competitive fees, as well as trust with real estate agents and sellers. Meet a knowledgeable lender to learn more.

And Now, a Word From Our Customers:

“Closing my first home loan was very fast, and my loan officer is always good to work with. I would definitely recommend Gate City Bank!”

Kane – Grand Forks, ND

“We have our mortgage with Gate City Bank. We chose to do the online DocuSign digital process, which made things very convenient – and fast! I was extremely satisfied with the entire process.”

Scott – Fargo, ND

Need a Little More Convincing?

If we haven’t convinced you yet, here are a few more reasons to choose us.

  • Keeping You Local

    100% of our home loans are approved, financed and serviced locally. That means if you have questions or need attention, you won’t be redirected to a random number. We’re here, right alongside you.

  • Convenient Digital Signing Options

    Can’t meet in person, or prefer a digital connection? We make signing documents digitally easy throughout the entire process.

  • Voted Best of the Best

    We’ve been voted “Best Mortgage” lender in many communities we serve.

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!