FinanceWorks Maintenance
We will perform FinanceWorks maintenance beginning at 10:00 p.m. Central Time on Tuesday, August 21. This maintenance period may last up to four hours. All other Online Banking functionality will remain available. We apologize for any inconvenience.


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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 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)
  • Conventional loans with adjustable or fixed rates
  • VA and FHA loans 
  • Lake home loans 
  • Winter home loans
  • Construction loans
  • Construction-permanent loans (one-time loan closing)
  • Rural Housing
  • 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
Building A Home? Nail down your interest rate 12 months before moving. Gate City Bank offers a 12-month interest rate guarantee at no additional charge on proposed and new construction.

Visit our online mortgage loan center to learn more, or to get started with your loan application today! You can have anytime online access to:

  • Start the loan application process
  • View current rates
  • Use loan calculators
  • Learn about the mortgage process in the Learning Center

Check out the Eight Steps to Homeownership Guide!


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.

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