couple happy about home improvement loan observes updates and embraces each other

Improving Homes and Communities, Together

You take a lot of pride in the place you call home. We do, too! That’s why we go to such great lengths to keep our communities beautiful – including offering low-interest loans for homeowners to encourage the preservation of older homes throughout North Dakota and Minnesota.

Strong Neighborhoods. Stronger Communities.

We truly love our communities, and we believe in creating a better way of life by giving back to them in different ways – all in efforts to keep homeowners investing back into the places they live and love.

New windows. Fresh siding. Smart furnace. Whatever’s on your list, make repairs or improvements to your home with:

  • Low interest rates

  • Terms to fit your budget

  • $10,000 – $75,000 for qualified projects

Have projects on your to-do list? Brighten up your home with a special low rate, exclusively for your local community. See our list of participating cities below, and find out if you qualify! Applications are accepted June through October annually.

North Dakota

Since 2003, we’ve partnered with the City of Fargo to make low-interest loans available through the NRI. These efforts are designed to create a better way of life, maintain affordable housing options and encourage investment in the city’s neighborhoods. In 2022, we contributed an additional $2 million in low-interest loans to continue the revitalization initiative in the Fargo community.

For more information, contact:
City of Fargo
701-241-1474
Fargo NRI

We’re proud to invest in the City of West Fargo NRP, providing low-interest loans to assist homeowners and help breathe new life into established neighborhoods. In 2022, we contributed an additional $2 million in funding for low-interest loans in West Fargo.

For more information, contact:
City of West Fargo
West Fargo NRP

We’ve been proud to provide low-interest loans for Wahpeton’s HIPP, including an additional $1 million in funding in 2022. These loans are combined with inspection services from the city to help homeowners with repairs and improvements.

For more information, contact:
City of Wahpeton
701-642-8448
Email

We invest in the Grand Forks HIPP by providing low-interest loans to residents. In 2022, we contributed an additional $2 million in funding. These loans are partnered with inspection services by the city to help identify repairs and improvements for homeowners.

For more information, contact:
City of Grand Forks
701-746-2642
Email

Minnesota

Since 2005, we’ve made low-interest loans available for the City of Moorhead NIP. The loans are combined with inspection services from Moorhead to assist homeowners with identifying needed repairs and making major improvements on older homes. In 2022, we contributed an additional $2 million in funding for low-interest loans.

For more information, contact:
City of Moorhead Neighborhood Services
218-299-5434

We continue to invest in the City of Fergus Falls, providing low-interest loans throughout the community. These loans are combined with inspection services from the city to assist homeowners with repairs and major improvements for older homes. In 2022, we contributed an additional $1 million in funding.

For more information, contact:
City of Fergus Falls
218-332-5400
Email

We’re proud to support Sauk Rapids with low-interest loans, including $2 million in 2022. Combined with inspection services from the city, the program is designed to keep mature neighborhoods fresh and help local homeowners invest in repairs and improvements.

For more information, contact:
City of Sauk Rapids Community Development Department
320-258-5315
Email

Additional Lending Options That Fit Your Bill.

young couple dancing in remodeled kitchen they obtained a home equity loan for

Home is Where the Project Is.

Put your home’s value to work to finance your next dreamy update.

young family hangs out next to new pool they obtained with a home equity line of credit

Take Full [Home] Advantage.

Easily borrow against your home's available equity and use it to guarantee the line of credit.

happy young parents and son stand outside after cash out refinancing for a project

Cash Out Refinancing Made Easy.

Looking for additional cash for that remodeling project you’ve been dreaming of? Invest in and improve your humble abode by borrowing against your home’s equity!

happy couple works on house projects after obtaining an unsecured loan

No Collateral? No Problem!

If you're interested in a home improvement project, our unsecured loans are a perfect option that doesn’t require collateral. Let’s get you to a lender to learn more.