Young daughter in Fargo, ND, kisses her mom on the cheek on the couch of their new living room, thanks to a Gate City Bank home loan

Home Loans With the
#1 Mortgage Lender.

Buying. Building. Refinancing. Welcome home with simple answers, local servicing and trusted experts who will be right by your side. 

Find a Lender

Let’s Find the Right Home Loan for You.

Buy Your First Home

Explore special offers and low down payment options, backed by knowledgeable lenders who’ll help you navigate the entire process.

Build a New House

With flexible new construction financing and extended rate lock options, we make it easy to build your dream home with confidence.

Move to Your Next Home

Whether you’re upgrading, downsizing or thinking about a lake home, we’ll help you choose financing options that fit your next chapter.

Refinance Your Mortgage

Lower monthly payments. Shorter home loan. Even cash for remodeling. Let’s see if refinancing is right for you!

A young family of four celebrates in front of their new home in Moorhead, MN, confident in their rate match guarantee from Gate City Bank

Mortgage Rate Match Guarantee You Can Trust.

Breathe easy with competitive rates and friendly neighborhood service from the #1 mortgage lender in ND. If you find a lower rate, we’ll match it – guaranteed.1

Ask a Lender for Today’s Rates

Home Loans in 3 Simple Steps:

1. Choose a Mortgage Lender in ND or MN.

Our local lenders will help you select the right loan for you.

2. Get Pre-Approved.

See how much home you qualify for and start shopping with confidence.

3. Close When You're Ready.

Once you've found the right home, we'll guide you through the details and closing process.

Get Pre-Approved With a Lender

Mortgage Payment Calculator

Whether you’re thinking about buying or refinancing, try our quick and easy mortgage calculator to estimate your monthly payment and plan your budget.

Time to Remodel?
We Can Help With That, Too.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

Home Equity Loans

Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.

young family hangs out next to new pool they obtained with a home equity line of credit

Home Equity Line of Credit

For ongoing projects, open a revolving line of credit with a lower rate than most credit cards.

Featured Resources: More Tools for Every Move.

Husband smiles at his wife while going through their mortgage pre-approval checklist from Gate City Bank on a laptop
Estimated read time: 4 minutes

Mortgage Pre-Approval Checklist

Ready to get pre-approved? From recent pay stubs to W-2s, here’s a list of what you’ll need.

a young woman relaxes on the couch and uses her computer to run numbers with Gate City Bank’s mortgage calculators

Free Homeownership Resources

Make yourself at home! Explore all of our latest tips and expert advice on topics ranging from closing costs to construction loans.

Twentysomething couple sitting on the kitchen floor with pizza to celebrate the move from renting to buying their first house

Rent vs. Buy Calculator

If you’re not quite sure whether renting or buying is the right move for you, compare the pros, cons and long-term costs.

Newlywed couple laughing in the stylish retro kitchen of their first home in St. Cloud

6 Ways to Save for a Home Down Payment

You’ve been looking for the right home, carefully researching each listing. But are you prepared for the down payment? We’ve got you covered!

1 Rate match requires verification of similar terms, pricing and loan type. Rate match not available on all loan types. See your lender for details.