Online Banking

Mortgages

When making one of the largest purchases in your lifetime, you need a financial institution you can trust. Though the help of our partner programs, we are able to offer you a wide variety of loans to suit your unique mortgage situation. Click below to see what program will suit you best.

For mortgage appointments, we will need:

  • Most current paystubs (30 days)
  • Two months of complete bank statement(s)
  • Copy of Driver’s License
  • Two years of W2’s and/or 1099s
  • Two years of Federal and State tax returns
  • Most recent quarterly statement for retirement and investment accounts

TRADITIONAL FINANCING

Conventional financing for purchasing a variety of homes. Down payments of less than 20% require private mortgage insurance. Escrowing IS/IS NOT available.

  • 3% minimum down payment
  • 30, 20, or 15 year fixed rates terms
  • 3, 5, and 7 year adjustable rate terms
  • For primary residence, second homes, or investment properties

Call Peter at (218) 336-1810 or Jennifer at (218) 336-1820.

Get a purchase pre-approval or refinance your current mortgage!

VA LOANS

Veteran’s Administration (VA) loans are designed to assist qualified veterans get into a home with no down payment. VA Loans can be used to purchase houses, make home improvements, purchase a manufactured home on land, or buy a townhouse or condo in VA-approved development.

  • 0% down payment
  • No private mortgage insurance
  • Maximum borrowed can be $417,000
  • Fixed rate and adjustable rate terms are available

Call Peter at (218) 336-1810 or Jennifer at (218) 336-1820.

Set up an appointment about VA Loans.

FHA LOANS

Federal Housing Administration (FHA) loans are great for those who are looking to purchase their first home with little to no down payment or those who do not meet traditional financing guidelines due to bankruptcy or foreclosure.

  • 3.5% minimum down payment — can be received as a gift
  • 30 year fixed rate
  • For primary residence only (1-4 family units, condos, and planned unit development)
  • Lower credit score qualification
  • No maximum income limitations
  • Maximum loan amount determined by county

Call Peter at (218) 336-1810 or Jennifer at (218) 336-1820.

Set up an appointment about FHA Loans.

USDA RURAL DEVELOPMENT

USDA Rural Development Loans are designed for those who are looking to live rurally. The USDA backs and services these loans.

  • 0% down payment
  • Qualified properties must be in designated areas as defied by USDA—generally designated for properties in communities of 20,000 or less.
  • Maximum income limits determined by geographical area

Call Peter at (218) 336-1810 or Jennifer at (218) 336-1820.

Set up an appointment about USDA Rural Development.