Loving mom touches noses with her preschool-age daughter, as she slices pears on the kitchen counter of their new home

Mortgage Loans for Bringing Moments Home.

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.

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Let’s Get You Home.

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.

Learn Why We’re the #1 Mortgage Lender in North Dakota.

  • Keep it local

    We offer locally serviced home loan options, right down the street.

  • Save with low rates

    Our mortgage customers enjoy competitive rates and fees.

  • Get peace of mind

    We’ll ensure everything goes smoothly on closing day!

  • Work with the "Best of the Best"

    We’ve been voted “Best Mortgage” lender in many communities we serve.
  • Lock while you shop

    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!

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
military mom plays with her son child at their home financed with a v.a. loan through gate city bank

VA Loans to Get You Home.

Financing your home alongside the U.S. Department of Veterans Affairs with a VA loan means:

  • Options for low-to-no down payment
  • Lower monthly payments (with our competitive interest rates)
  • Easier qualifications – in case conventional financing may not be the best option for you
  • All the support of a first-time homebuyer program, but with more relaxed credit standards
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A Place to Hang Your Coat.

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!

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rural homestead at sunset that was recently financed with a development loan through gate city bank

Serving Rural Communities on the Rise.

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.

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quaint lake home sits perched in the sunshine after being financed with gate city bank

Lake Homes, Second Homes, Vacation Homes – Oh My!

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.

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

Basics for First-Time Homebuyers.

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.

happy young family sits at end of dock on lake after securing their MinnStart Home Loan

You Betcha: Our MinnStart Home Loan Is Here.

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.

cozy couple on camel-colored sofa with their budget, trying out the mortgage payment calculator on their laptop

Quick and Easy
Mortgage Calculator.

Not sure where to start? Use our mortgage calculator to estimate your payment and search for your new home with confidence.

Gate City Bank mortgage team members gather around their recently earned affordable housing award in a conference room

Championing Affordable Housing in Our Communities.

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!

“Work with a lender you can trust! At Gate City Bank, we’re the #1 mortgage lender in ND. If any changes or surprises come up during your closing process, we’ll work with you to keep everything moving smoothly – and get you into your new home.”
See Expert Tips
Jon Lindquist mortgage expert professional headshot
Jon Lindquist
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!