Buying your first, or next, home is so important. Homes are where memories are created and where we feel the most ourselves. From FHA loans to VA loans and everything in between, we offer options to keep the process simple and the experience nothing short of wonderful.
Regardless of how you choose to finance your home sweet home, we’re here to keep the process simple, easy and delivered to your specifications. Prefer to sign documents virtually? We have that option. Would rather come in and visit with someone on such an important process? Great, we'll have the coffee on for you.
We offer locally serviced home loan options, right down the street.
Our mortgage customers enjoy competitive rates and fees.
We’ll ensure everything goes smoothly on closing day!
While you shop for your new home, lock your rate for up to 90 days with a fixed-rate mortgage or up to 180 days with an adjustable-rate mortgage. Plus, you have the option to float down if rates drop before closing!
Financing your home alongside the U.S. Department of Veterans Affairs with a VA loan means:
You’ve worked tooth and nail to build your career into the success it is today. After a hard day’s work, you deserve to go home to somewhere amazing. If you’re using your advanced degree, such as a master’s or doctorate, our Professional Home Loan Program is something to chew on. Talk to a lender!Contact a Lender
Financing designed for low-to-moderate income families living in rural areas, our Rural Development loan can provide affordable homeownership opportunities in local areas to promote prosperity. Currently, this program is available throughout Minnesota and North Dakota.Find a Lender
When you’re ready to take the next step into purchasing a second home away from home, we’d love to be your first call. With competitive interest rates, local financing options and the best service in town, we’ll keep your loan local to get you outta town.Contact a Lender
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.
The MinnStart Home Loan, a new and innovative Gate City Bank program, helps Minnesota residents purchase a home with little to no down payment! Plus, you still qualify for the same personable, local service and loan servicing. Certain qualifications are required, so let’s get you in touch with a lender to learn more.
Not sure where to start? Use our mortgage calculator to estimate your payment and search for your new home with confidence.
As the #1 mortgage lender in North Dakota, we've worked with customers from affordable housing challenges to dream homes and everywhere in between. We’re honored to have received the Affordable Housing Homeownership Award of Excellence!
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!