What can we help you find?
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.
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.
Not sure where to start? Use our quick and easy mortgage calculator to estimate your payment, and search for your new home with confidence.
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.2
Our mortgage customers across North Dakota and Minnesota enjoy competitive rates and fees.
We’ll ensure everything goes smoothly on closing day!
If rates drop before home loan approval, you also have the option to float down once and lock at a lower rate with any conventional purchase mortgage loan.
1 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 We live to give! Donation to go to a charity of your choice within 120 days of loan closing. Charity must be approved by Gate City Bank.
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