gate city bank mortgage loans are simply better

Mortgage Loans for Bringing Moments Home

Purchasing your first, or next, home is so important to so many people. Homes are where memories are created, time goes by and where we feel the most ourselves. From FHA loans to VA loans and everything in-between, we offer options focused on keeping 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.

  • Keeping it Local

    100% of our home loans are serviced locally.

  • Staying Competitive

    Our mortgage customers enjoy low rates and fees.

  • Offering Peace of Mind

    We’ll ensure everything goes smoothly on closing day!

  • Voted Best of the Best

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

    Designed for conventional loans with fixed or adjustable rates, we offer 30- or 90-day reservation periods with the option for additional days to lock in – even after signing a purchase agreement!

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 home buyer program, but with more relaxed credit standards
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dentist visits with a smiling young female patient

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

Homebuying Basics.

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.

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!