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Home Loans

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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 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)
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 emailed daily from Rate Watch
Calculators that let you try out different options
Mortgage terminology definitions

Print the coupon below and present it to your Gate City Bank Mortgage Loan Officer and receive $100 OFF your closing costs on any Gate City Bank Mortgage Loan.