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 BetterLife^TM 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

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.