What can we help you find?
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.
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.
100% of our home loans are serviced locally.
Our mortgage customers enjoy low rates and fees.
We’ll ensure everything goes smoothly on closing day!
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!
For new construction mortgages, protect your interest rate from changing with a 15- or 18-month lock. This comes guaranteed, and at no additional cost!
Stay in your current home and finance the new lot while your new home is being built.
Take advantage of our one-of-a-kind program, designed to offer the lowest interest rates when you finance your student loan and mortgage with us.
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.
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!
Email