Mortgage Loans

Features

All Loans are locally approved, locally financed, and locally serviced.

  • Conventional Loans with fixed rates and adjustable rates
  • 12-month interest rate guarantee program at no additional charge for proposed and new construction
  • No origination fee option available
  • Low down payment options
  • Construction-Permanent Loans (one time loan closing)
  • VA, FHA, and Rural Development Loans
  • First-Time Homebuyers Program (ND)
  • Lake Home Loans
  • Winter Home Loans

The BetterLife Student Loan Program may be available to individuals who are financing the purchase of a home through Gate City Bank.

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 love Gate City Bank's convenient locations and the fact that we don't have to pay ATM Fees. Plus, the great customer service and welcoming atmosphere in all of the branches makes me feel like a valued customer."

-Austin
Minot

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Need more information on Mortgage Loans?

Read our Eight Steps to Home Ownership.