Applying for a home loan at Border Bank is quick, and easy. Stop in and visit with one of our Mortgage Officers to complete your application; or apply online at your convenience, anytime and from anywhere. A true mix of high tech, without losing the hometown relationship.

Flexible financing for your most important asset

  • First Time Home Buyers Program
  • Refinancing
  • New Construction Loans
  • USDA (rural development loans)
  • FHA (Federal Housing Administration loans)
  • VA (Veterans Administration loans)
  • Home Equity Line of Credit (HELOC)

Start your mortgage application online with one of our lenders

Amanda Neufeld


NMLS #530660


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Niki Groshong


NMLS #1974515


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Kelly Engstrom


NMLS #1149392


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Nicole Hjelden


NMLS #710489


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Lisa Bergsnev


NMLS #504770


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Anna Stewart


NMLS #1003973


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Cassandra Torkelson


NMLS #530661


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Trigger Leads

You just submitted your mortgage application and now you are you suddenly receiving unsolicited phone calls, texts and e-mails from other mortgage lenders. Why is this happening?

You’re not alone.

When you apply for a mortgage through any financial institution or mortgage company, your lender will pull a credit report from the three major credit bureaus: TransUnion, Equifax and Experian. Under the Fair Credit Reporting Act, the credit bureaus can legally sell your contact information within 24 hours of your mortgage application to anyone who wants a list of people currently applying for mortgages. The collective contact information from applicants is often referred to as “trigger leads.” Please note Border Bank never sells or shares your contact information.

Good news - you can opt out of being solicited!

The website is the official Consumer Credit Reporting Industry website for consumers to opt-in or opt-out of offers for credit and insurance products. In addition, you may go to sign up for the Do Not Call Registry to protect against unwanted phone calls. 

Lock n' Build

The Lock n' Build program is for eligible borrowers who are planning to build a new home, or make improvements to their current home. Lock in your rate now, if the rates go down within the period of the term of the program, you have a one-time rate float down option within sixty days of closing. This is a limited time offer. Contact one of our mortgage experts above to explore eligibility.

Additional Details: Rate lock is available for up to 12 months. Limited availability based on funds available. Only conventional conforming loans are eligible. Must have a Border Bank deposit account to be eligible. A deposit based on a percent of the loan amount is required at the time of rate lock. The deposit will applied to closing costs at the time of closing. A one-time float down option available within 60 days of closing. Subject to credit approval. Additional fees and restrictions may apply.

FHA (Federal Housing Administration)

Government back program that requires minimal down payment (as low as 3.5%) and allows for customers with less than perfect credit.

Home Equity Lines of Credit (HELOC)

Unlock the equity in your home to fund home improvements, college tuition, travel, or debt consolidation. As you borrow against your Home Equity Credit Line, and then repay it, the funds become immediately available for you to use again. Best of all, the interest may be tax deductible. Consult your tax advisor and talk with your Border Bank Lending Officer to see if a HELOC is right for you.

Home Equity Loans

Using the equity in your home is the smart way to borrow. With a home equity loan, you can use the value of your home to finance renovations, save money through debt consolidation, pay tuition expenses, take a dream vacation or anything else. A Home Equity loan is a great financial tool that may be tax deductible. Consult your tax advisor for advice on your particular situation.

Minnesota Housing Fix Up Home Improvement Loans

Minnesota_Housing_LogoMinnesota Housing is a trusted state agency that works with Border Bank to provide an array of loan products to buy a new home, or improve your current home. For most of the loans, borrowers must meet certain eligibility requirements, income limits, minimum credit score and owner-occupancy requirements. Contact your Real Estate Lender at your local Border Bank branch to learn more.

Affordable Homebuyer Loan Programs: Minnesota Housing offers the Start Up Loan Program, which are loans for first-time homebuyers; and offers the Step Up Loan Program for purchase or refinance loans for existing homeowners and repeat homebuyers.

Minnesota Fix Up Program: The Fix Up program offers flexible financing options, with loan amounts ranging from $2,00 to $75,000. Borrowers must meet certain eligibility requirements, income limits, minimum credit score and owner-occupancy requirement. 

Secured and unsecured loans are available with no income limits for select energy efficiency projects. 

Rehabilitation Loan Program | Emergency & Accessibility Loan Program: This program helps low-income homeowners finance important home repair project that directly affect the safety, habitability, energy efficiency or accessibility of their homes, and also provides financing towards the replacement of manufactured homes.
for a Fix Up Loan.

New Construction Loans

If building a new home is in your future, look to the mortgage experts at Border Bank to provide the construction financing you need. Border offers a convenient construction to permanent financing option that will save you time and money. So go ahead and build the dream home you've always wanted and we'll be there to back you up!


NDHFA is a self-supporting and mission-driven agency dedicated to making housing affordable for all North Dakotans. They offer affordable home financing to low- to moderate- income families.
NDHFA offers multiple programs with affordable interest rates and down payment and closing cost assistance programs. The FirstHome program is for buyers who have not owned a home as their principal residence within the last three years. The HomeAccess program offers benefits for single parents, veterans, disabled or elderly. North Dakota Roots is a program to provide a mortgage option for households that are not eligible for the FirstHome program.
General Program Requirements

  • All of the programs require a $500 out-of-pocket cash investment.
  • You must occupy the home as your principal residence.
  • Household income for the FirstHome and HomeAccess programs must be below a specific income limit according to family size, county of residence, and program requirements. We must count the income of the borrower, spouse, and co-borrower(s). This includes all income sources, including but not limited to, full and part-time employment wages, self-employed income, child support, social security benefits, and pension/retirement income. If household income exceeds the limits of these programs, borrowers may qualify for assistance through NDHFA’s North Dakota Roots program.

You may be able to save thousands of dollars and lower your monthly payments by refinancing your home. Several factors determine when it makes sense to refinance. Lower rates, unexpected expenses, debt consolidation and tax consequences can all pay a part in the decision. Contact a Border Bank Residential Lending Officer to help you determine when the right time is for you.

USDA (Rural Development)

Programs that are available for qualified individuals that are living in qualified geographic locations (normally rural communities). These types of loans require little out of pocket money and zero down payment for those that qualify.

VA (Veteran Administration)

This program is for qualified active/retired veterans or their spouses and requires zero down payment with the additional benefit of no Monthly Mortgage Insurance.

  • Mortgage Contact Form


Lock n' Build

Lock n' Build

Ask about our 12-month rate lock program.

Details below.




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