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Mortgage Loans


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.

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.