realize savings with the gate city bank mortgage refinance calculator

Refinance with More Bang for Your Buck

Want to save money on your home loan? Refinancing with us could mean lower monthly payments, shorter loan periods and even additional cash for that remodeling project you’ve been dreaming of! Home sweet home just got a little sweeter.

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

  • Pay Off Your Loan Faster

    Consider refinancing to shorten your repayment term on your forever home.

  • More Cash in Your Pocket

    When you refinance and opt to borrow against your equity, you can invest it back into home projects you’ve been dreaming of!

  • Keeping You Local

    Our loans are locally approved, financed and serviced. No more phone call redirects!

  • Convenient Digital Signing Options

    Can’t meet in person? We make signing documents easy throughout the entire process.

Get Started

gate city bank has been voted best mortgage lender

Voted ‘Best Mortgage Lender‘ by Our Communities.

We take pride in keeping our loans locally available and serviced. That means no matter where you go, we'll stay right here.

Introducing Our BetterLife™ Student Loan.

The first and only program of its kind in the nation, the BetterLife™ Student Loan allows you to consolidate student loan debt at a low fixed interest rate with no fees. Just finance or refinance your home with Gate City Bank!

Time to Refinance?

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home at when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.