Mortgages

Mortgages


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 Risser

BAUDETTE

NMLS #530660

218-634-3300

Apply Now

Niki Groshong

CLEARBROOK

NMLS #1974515

218-776-3090

Apply Now

John McCullah

COON RAPIDS

NMLS #1327647

763-780-6609

Apply Now

Kelly Engstrom & Nicole Hjeldon

FM MORTGAGE TEAM
 & Nicole Hjelden

NMLS #1149392

NMLS #710489

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Lisa Bergsnev

GREENBUSH
MIDDLE RIVER

NMLS #504770

218-782-2151

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Anna Stewart

ROSEAU

NMLS #1003973

218-463-3888

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Cassandra Torkelson

THIEF RIVER FALLS

NMLS #530661

218-681-8085

Apply Now

Pam Dallmann

THIEF RIVER FALLS

NMLS #530664

218-681-8085

Apply Now

Nicole Spaulding

THIEF RIVER FALLS

NMLS #647414

218-681-8085

Apply Now

Minnesota Housing Fix Up Home Improvement Loans

Minnesota_Housing_LogoWhether you want to remodel your home to create your dream home or you need to make necessary repairs, you can finance those updates with a Minnesota Housing Fix Up loan. Border Bank has been a long-time partner with Minnesota Housing, a trusted state agency, and we know the Fix Up Program well. Contact a Real Estate Officer to apply for a Fix Up Loan.

Refinancing

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.

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!

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.

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.

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.

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.

Mortage

Are you ready to get your Mortgage Loan started?

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Online Banking

Free to All Account Holders

Our Online Banking helps all our customers manage their finances in a way that's both safe and convenient.

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