Down Payment Calculator

Use our down payment calculator to learn how much you could save on your mortgage! The more you put down, the more you can save on the monthly payment, private mortgage insurance (PMI) and total loan.

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Home Sweet Home Loans.

From competitive interest rates to local service down the street, discover why we’re the #1 mortgage lender in North Dakota.

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$500 Credit for First-Time Homebuyers

Welcome home! Receive a $500 credit toward the closing costs on your first home.1

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7 Simple Ways to Reduce Home Closing Costs

Looking to cut down on closing costs for your home sweet home? We’ve assembled seven basic tips for saving your hard-earned money during the process!

a mortgage lender in a green button-down sits down to answer his customer’s questions about her Gate City Bank home loan

Mortgage Lenders Who Care

First home. Second home. Forever home. Whatever your next move, we’re right beside you with competitive rates, local service and free pre-approvals.

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!