Mortgage Loans


Gate City Bank provides better home loans:

  • Conventional Loans with fixed rates and adjustable rates
  • 15 month rate lock for proposed and new construction
  • The ability to close on your home in just 10 days!1
  • Save time by signing documents electronically.
  • Low down payment and no origination fee options
  • Construction-Permanent Loans (one time loan closing)
  • VA, FHA, and Rural Development Loans
  • First-Time Homebuyer Program (ND)
  • Lake Home Loans
  • Winter Home Loans

The BetterLife Student Loan Program is the unique option to refinance student loan debt at a fixed interest rate of 2.00% APR2.

To help guide you through the application process, we have prepared a check list of items to bring with you to your appointment with a mortgage lender.

What Our Customers Say

I stopped without an appointment. Steph made time for me, explained the process, and answered questions. She put me in touch with another loan officer to answer my questions about refinancing my mortgage. I got a great rate and I prefer using a local bank who I can talk to in-person.


You might also like

Additional Home Loan Information:

Read our Better Home Buying Guide.
Protect yourself against mortgage wire fraud


1Not available in all areas. Some restrictions may apply.

2Terms and conditions may apply.