dad with messy hair kneels beside a blue-eyed toddler, holding her hands as she takes her first steps in their new home

Welcome to Your First Home.

Buying your first home is a big step! From helpful calculators to special programs just for first-time homebuyers, we’ll take you by the hand – keeping the entire process simple, from start to finish.

Get Pre-Approved

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 with low fixed rates and 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 competitive rates and fees, as well as trust with real estate agents and sellers. Meet a knowledgeable lender to learn more.
happy young couple takes a selfie in their new kitchen after going through first-time homebuyer steps with Gate City Bank

First-Time Homebuyer Guide: 10 Basic Steps to Bring You Home

Buying a home is one of the biggest decisions you’ll ever make. From finding the perfect place that has what you want – and need – to ensuring it qualifies for financing, our first-time homebuyer guide outlines the steps you’ll need to take throughout the process.

Learn More
mom kissing newborn baby on the forehead, snuggled beside her husband in their new home

$500 Credit for
First-Time Homebuyers.1

Welcome home! Receive a $500 credit from Gate City Bank toward the closing costs on your first home.1

Begin Here

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

    We make home loans easy, complete with local servicing options. 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.

Gate City Bank team members wear blue shirts & surround the North Dakota Housing Finance Agency 2023 Affordable Housing Award

Inspiring Affordable
Housing in ND.

As the #1 mortgage lender in North Dakota, we're honored to have received the Champion of Affordable Housing Award of Excellence for multiple years!

Learn More
“Making the decision to buy your first home is such an exciting journey! As homebuying experts, we’re here to guide you forward, step by step, so you can find your perfect home sweet home.”
Bring It Home
Nicole Plecity mortgage expert professional headshot
Nicole Plecity
Assistant Vice President, Senior Mortgage Lender

RP Test.png​Mortgages We Stand Behind.

With our Blue Standard pre-approval, competitive rates and trust with real estate agents and sellers, we 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 This $500 credit only applies to first-time homebuyers and primary-residence purchases within 100 miles of a Gate City Bank location. Customers must have a Gate City Bank checking account and at least $500 in a Gate City Bank savings account (to be used for the down payment or closing costs). Other terms, conditions and qualifications may apply. The credit will show up on the mortgage loan at closing. Uffda!