Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

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 HVAC. Whatever’s on your list, make repairs or improvements to your home with:

  • Low interest rates

  • Terms to fit your budget

  • $10,000 – $100,000 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 will be accepted March 18 – October 31, 2024.

North Dakota

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes 30 years or older in the City of Bismarck municipal boundaries with an assessed value less than $250,000

We’re excited to partner with the City of Bismarck NRI, which provides low-interest loans to assist local homeowners with repairs and help preserve the beauty of older neighborhoods. In 2024, we contributed $2 million in funding for low-interest loans to support the Bismarck community.

For more information, contact:
City of Bismarck
701-355-1854
Email

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes zoned in a residential area in the City of Devils Lake with a property value at or below $250,000
  • Requires completed construction within 12 months

We’re proudly partnering with the City of Devils Lake RRP, offering low-interest loans to help assist local homeowners with repairs and improvements. In 2024, we contributed $1 million in funding for loans to Devils Lake residents.

For more information, contact:
City of Devils Lake
701-662-7600 (ext. 227)
Email

  • Rates as low as 5.16% APR2
  • 10- or 15-year options
  • For homes 40 years or older with an assessed value less than $275,000

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 2024, 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

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes in the City of Grand Forks municipal boundaries with an assessed value less than $300,000

We invest in the Grand Forks HIPP by providing low-interest loans to residents. In 2024, 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

  • Rates as low as 5.00% APR3
  • 10- or 15-year options
  • For homes 30 years or older in the City of Jamestown municipal boundaries with an assessed value less than $325,000

We’re proudly partnering with the City of Jamestown NRP, offering low-interest loans to assist local homeowners with repairs and help preserve the beauty of older neighborhoods. In 2024, we contributed $1 million in funding for low-interest loans to Jamestown residents.

For more information, contact:
City of Jamestown
701-252-5900
Email

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes 40 years or older in the City of Mandan municipal boundaries with an assessed value less than $275,000

We’re proud to invest in the City of Mandan NRI, offering low-interest loans to assist homeowners with repairs and help older neighborhoods continue to thrive. In 2024, we contributed $2 million in funding for low-interest loans in the Mandan community.

For more information, contact:
City of Mandan
Mandan NRI Program
701-667-3225
Email

  • Rates as low as 5.00% APR3
  • 10- or 15-year options
  • For homes in the City of Wahpeton and subdivisions within one mile of city limits

We’ve been proud to provide low-interest loans for Wahpeton’s HIPP, including an additional $1 million in funding in 2024. 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

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes within the City of West Fargo municipal boundaries and north of I-94 with an assessed value less than $275,000

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 2024, 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

  • Rates as low as 5.00% APR4
  • 10- or 15-year options
  • For homes within the City of Williston municipal boundaries with an assessed value less than $300,000

We’re proudly partnering with the City of Williston NRP, providing low-interest loans to assist homeowners with repairs and help preserve the beauty of older neighborhoods. In 2024, we contributed $2 million in funding for low-interest loans in the Williston community.

For more information, contact:
City of Williston
701-577-8115 (ext. 2608)
Email

Minnesota

  • Rates as low as 5.00% APR4
  • 10- or 15-year options
  • For homes within the City of Breckenridge and subdivisions within one mile of city limits

We’re excited to partner with the City of Breckenridge HIPP, providing low-interest loans to help homeowners invest in repairs and improvements. In 2024, we contributed $1 million in funding for low-interest loans in the Breckenridge community.

For more information, contact:
City of Breckenridge
218-643-1431
Email

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes in the City of East Grand Forks municipal boundaries with an assessed value less than $400,000

We’re proud to support the City of East Grand Forks’ HIPP, which provides low-interest loans to assist homeowners with repairs and help preserve the beauty of older neighborhoods. In 2024, we contributed $2 million in funding for low-interest loans to the East Grand Forks community.

For more information, contact:
City of East Grand Forks
218-773-8939
Email

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes built before 2006 within the City of Fergus Falls municipal boundaries with an assessed value less than $275,000

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 2024, we contributed an additional $1 million in funding.

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

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes built before 2006 with an assessed value less than $275,000

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 2024, we contributed an additional $2 million in funding for low-interest loans.

For more information, contact:
City of Moorhead
218-299-5363
Email

  • Rates as low as 4.99% APR1
  • 10- or 15-year options
  • For homes in the City of Sauk Rapids municipal boundaries with an assessed value less than $310,000

We’re proud to support Sauk Rapids with low-interest loans, including $2 million in 2024. 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.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

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.

1 Terms and conditions may apply. A $50,000 home equity loan at 4.98% interest rate for 120 monthly payments of $529.97 will have a 4.99% annual percentage rate. Residence must be occupied by owner. Subject to home evaluation and credit qualification.

2 Terms and conditions may apply. A $50,000 home equity loan at 4.98% interest rate for 120 monthly payments of $534.20 will have a 5.16% annual percentage rate. Residence must be occupied by owner. Subject to home evaluation and credit qualification.

3 Terms and conditions may apply. A $50,000 home equity loan at 4.98% interest rate for 120 monthly payments of $530.34 will have a 5.00% annual percentage rate. Residence must be occupied by owner. Subject to home evaluation and credit qualification.

4 Terms and conditions may apply. A $50,000 home equity loan at 4.98% interest rate for 120 monthly payments of $530.23 will have a 5.00% annual percentage rate. Residence must be occupied by owner. Subject to home evaluation and credit qualification.