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Home Loans

Owning a home has always been the pinnacle of the better life. Let us help. We enjoy making it possible for families to buy, build, or refinance homes through a variety of programs.

For a limited time, you can receive $100 off of your closing costs on any Gate City Bank Mortgage Loan!

Click the coupon below to print it and take it to a Gate City Bank Mortgage Loan Officer when you apply for a Gate City Bank Home Loan, or apply online today!

For the entire life of your loan, it will be:

Locally approved
Locally financed
Locally serviced by Gate City professionals

One of our Mortgage Loan Officers will be happy to help you determine which financing option is best for your life. Select from:

FREE pre-approval programs
First-time homebuyers program (ND and MN)
Conventional loans with adjustable or fixed rates
VA and FHA loans
Lake home loans
Construction loans
Construction-permanent loans (one-time loan closing)
Reverse mortgages
100 percent financing options
Check out the application checklist for what to bring to a loan appointment
Call one of our banking locations for current interest rates or an appointment

Do you have 20 minutes? Apply Now for a pre-approved Home Loan! Apply for a new home mortgage, pre-approval or refinancing. You can enjoy these features with our Online Mortgage Application Solution:Detailed cost information

Approval within 20 minutes
Online loan decisions
Rate Watch, which informs you automatically when your desired rate is available
Customized rate quotes e-mailed daily from Rate Watch
Calculators that let you try out different options
Mortgage terminology definitions

If you're facing temporary credit problems, ask us about your options.