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
  • The ability to close on your home in just 10 days!1
  • 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% APR2.

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.

What Our Customers Say

"I love Gate City Bank, they make life convenient!"

Minot, ND

You might also like

Additional Home Loan Information:

Read our Better Home Buying Guide.
Protect yourself against mortgage wire fraud


1Not available in all areas. Some restrictions may apply.

2Terms and conditions may apply.