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've been with Gate City Bank 15 plus years, always helpful.

-Andrew

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Need more information on Mortgage Loans?

Read our Eight Steps to Home Ownership.