Gate City Bank provides better home loans:
- Conventional loans with fixed and adjustable rates
- 30-day rate reservation for a fixed-rate mortgage, plus up to 60 additional days to lock in your rate after signing a purchase agreement
- 90-day rate reservation for an adjustable-rate mortgage, plus up to 90 additional days to lock in your rate after signing a purchase agreement
- 15- or 18-month rate lock options for proposed and new construction
- Save time by signing documents electronically.
- Low down payment and no origination fee options
- Construction-Permanent Loans (one time loan closing)
- VA, FHA, and Rural Development Loans
- First-Time Homebuyer Program (ND)
- MinnStart Home Loan
- Lake Home Loans
- Winter Home Loans
The BetterLifeTM Student Loan program is the unique option to refinance student debt at a low, fixed interest rate.
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.
(Psst. Not a Minnesota resident? We have options for North Dakota homeowners, too!)
Contact your mortgage lender to learn more – regardless of where you live!
Find a Lender
To help guide you through the application process, we have prepared a checklist of items to bring with you to your appointment with a mortgage lender.