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Mortgage Loans


Gate City Bank provides better home loans:

  • Conventional Loans with fixed rates and adjustable rates
  • 15 month rate lock 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)
  • Lake Home Loans
  • Winter Home Loans

The BetterLife Student Loan Program is the unique option to refinance student loan debt at a fixed interest rate of 1.50% APR1.

To help guide you through the application process, we have prepared a check list of items to bring with you to your appointment with a mortgage lender.

Like what you see? Take the next step!

Additional Home Loan Information:

Read our Better Home Buying Guide.

What to expect with a home appraisal.

1Terms and conditions may apply. Rates subject to change.