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From your first house to your forever home, come see why we’re the #1 mortgage lender in ND. We’ll make the experience nothing short of wonderful.
With options like 12-, 15- or 18-month rate locks, we’ll make it easy to build your dream home.
Lower monthly payments. Shorter loan. Even additional cash for remodeling. Let’s see if refinancing is right for you!
Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.
For ongoing projects, open a revolving line of credit with a lower rate than most credit cards.
First house. Forever home. Everything in between. When you’re ready to get moving, ask a lender in ND or MN for today’s mortgage rates!
Welcome home! Receive a $500 credit from Gate City Bank toward the closing costs on your first home.1
Building your dream house or lake place? Stay in your current home, and finance the new lot while your new house is being built.
Take advantage of our one-of-a-kind program, featuring no fees and fixed interest rates when you finance your student loan and mortgage with us.
We’re proud to partner once again with FHLB of Des Moines to offer a home loan program with interest rates approximately 1.5% lower than current market rates for eligible homebuyers.2 Find out if you qualify today!
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From cabins to condos to custom vacation homes, we’ll make it easy to put your feet up at your home away from home – all with competitive interest rates, local financing options and the best service in town.
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You betcha! If you’re a Minnesota resident, ask about our MinnStart Home Loan – complete with little to no down payment. Certain qualifications apply, so let’s get you in touch with a lender to learn more.
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Small towns. Big hospitality. At Gate City Bank, we’re making home ownership more affordable with our Rural Development Loan – specifically for low-to-moderate income families in rural ND and MN.
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We’re proud to serve our nation’s finest. Learn about our long history of honoring service members and their loved ones through VA loans, veteran charities and military support.
Use our simple mortgage payment calculator to estimate your monthly home payments and plan your budget!
Keep it local
We offer home loans right down the street, complete with local servicing options. When you close on your new home, we’ll even donate $50 to the local charity of your choice.3
Save with competitive rates
Our mortgage customers across North Dakota and Minnesota enjoy competitive rates and fees.
Rate confidence
If rates drop before home loan approval, you can float down once and lock at a lower rate with several of our conventional purchase mortgages.
Get peace of mind
We’ll ensure everything goes smoothly on closing day!
Work with the "Best of the Best"
We’ve been voted “Best Mortgage” lender in many communities we serve.
Thinking about buying or refinancing, but not quite sure if it’s the right time? We’ve got you! Sign up, and we’ll let you know about rate drops and special offers.
Get Alerts1 This $500 credit only applies to first-time homebuyers and primary-residence purchases within 100 miles of a Gate City Bank location. Customers must have a Gate City Bank checking account and at least $500 in a Gate City Bank savings account (to be used for the down payment or closing costs). Other terms, conditions and qualifications may apply. The credit will show up on the mortgage loan at closing. Uffda!
2 Mortgage Rate Relief program is available to homebuyers and existing homeowners earning up to 80% of area median income (AMI) in partnership with the Federal Home Loan Bank of Des Moines until December 31, 2025, and/or until allotted funding has been fully distributed. All owner/occupant income must be considered when determining eligibility. Rate reduction applies only to 30-year fixed rate mortgage loans. Must be used to purchase or refinance a primary, single-family residence. Other terms, conditions and qualifications may apply.
3 This one-time donation will go to the charity of your choice in February of the next calendar year. Charity must be approved by Gate City Bank.
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