Online Banking
Sign Up!
Want to save money on your home loan? Refinancing with us could mean lower monthly payments, shorter loan periods and even additional cash for that remodeling project you’ve been dreaming of! Home sweet home just got a little sweeter.
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.1 Find out if you qualify today!
Connect With a LenderConsider refinancing to shorten your repayment term on your forever home. Just ask a lender for today’s refinance rates!
When you refinance and opt to borrow against your equity, you can invest it back into home projects you’ve been dreaming of!
We make refinancing your home easy, complete with local servicing options.
Lower rates. Less fees. Receive $2,500 toward closing costs when you refinance a construction-to-permanent loan with us.2 Chat with a lender today to learn more!
Talk With a Lender
We take pride in making home loans simple – complete with local financing options and pre-approvals we stand behind.
The first and only program of its kind in the nation, the BetterLife™ Student Loan allows you to consolidate student loan debt with no fees and low fixed rates. Just finance or refinance your home with Gate City Bank!
The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home at when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.
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 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.
2 $2,500 credit applies to the refinance of a Gate City Bank construction-to-permanent loan and must be used within six months of the original construction loan. An appraisal at borrower’s expense may be required. Other terms, conditions and qualifications may apply. The credit will be applied to loan at closing.
Email