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From your first house to your forever home, we’ll help you choose the right financing for your next chapter – complete with competitive rates, care and confidence.
Our most popular choice! The ideal fit if you're looking for fixed rates, flexible terms and a range of financing options.
Available with 5-, 7- and 10-year options. Great for buyers who don’t plan to stay in a home for more than a few years or who feel confident about their earning potential.
Perfect for qualifying buyers who may have a smaller down payment or are purchasing a home for the first time.
Designed for veterans, active-duty service members and military families looking to purchase a home.
Available for those ready to build a new home and finance the construction process from start to finish.
A great option if you're dreaming of a lake cabin, vacation home or seasonal getaway.
Made for qualifying Minnesota homebuyers who are interested in low down payment options.
Exclusively for buyers purchasing a home in smaller communities in rural ND and MN.
Perfect if you've found the right piece of land and plan to build in the future.
Offering more flexibility for luxury homes and larger purchases that exceed typical loan limits.
Designed for qualifying professionals who are starting a new career or relocating for a new opportunity.
Ideal for homeowners looking to lower their payment, shorten loan terms or tap into their home's equity.
Breathe easy with local service, transparency and a trusted lender who’s truly on your side. If you find a lower rate, we’ll match it – guaranteed.
Welcome home! Receive a $250 credit from Gate City Bank toward the closing costs on your first home.
Choose from 12-, 15- or 18-month interest rate locks. Plus, get the flexibility to stay in your current home while your new house is being built.
Take advantage of our one-of-a-kind program, featuring no fees and low fixed rates when you finance your student loan and mortgage with us.
And when you close on your new home, we’ll donate $50 to the eligible local charity of your choice!
Buying your first home is a big step! Explore special offers for first-time homebuyers, along with helpful calculators, checklists and more.
We’ll make it easy to build your dream home with flexible financing for construction-to-permanent loans, flex loans and lot loans.
Lower monthly payments. Shorter loan. Even additional cash for remodeling. Let’s see if refinancing is right for you!
We’re proud to serve our nation’s finest. Learn about our long history of honoring service members and their loved ones through VA loans, veteran charities and military support.
No matter which home loan you choose, we’ll make the process simple and give you confidence from application to closing.
Local mortgage lenders in North Dakota and Minnesota
Work with an experienced lender who takes the time to understand your goals and guide you through the homebuying process.
Blue Standard Pre-Approval
By knowing your budget before you shop, you’ll be ready to act when you find the right home. Plus, you can breathe easy knowing your pre-approval will come through on closing day.
Start with our pre-approval checklist.
Rate confidence with re-locking
If rates drop, you can float down once and lock at a lower rate with several of our conventional purchase mortgages.
Local servicing for your mortgage
Enjoy the convenience of working with a team that's close to home after closing.
1 Rate match requires verification of similar terms, pricing and loan type. Rate match not available on all loan types. See your lender for details.
2 This $250 credit only applies to first-time homebuyers purchasing a primary residence within 100 miles of a Gate City Bank location. Customers must have a Gate City Bank checking account. Other terms, conditions and qualifications may apply. The credit will show up on the mortgage loan at closing.
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