Everyone's story is different.
Because your story is unique, your lending needs are too. Being locally-owned and family-owned, we can make fast, flexible lending decisions. Rather than trying to cram your story into a box, we celebrate your uniqueness and look for creative ways to get you HOME.
Meet Our Team
![]() Jackie L. Holte Sr. Vice President Residential Lender | ![]() Jerome J. Duevel Vice President Residential Lender | ![]() Joanne R. Bliese Sr. Vice President Residential Lender | ![]() Mike Mohr Vice President Residential Lender | ![]() Tim R. Olson Vice President Residential Lender |
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Purchasing
If you're looking to purchase a new home, you can take advantage of our competitive rates, low closing costs, and wide variety of Loan Programs!
- Conventional
- Purchase options for your new home with less than 20% down and NO Mortgage Insurance for Conventional loans.
- Rural Development (USDA)
- Veteran’s Administration (VA)
- Federal Housing Administration (FHA)
- Manufactured Homes
- Jumbo Loans
- My Community Mortgage
- ... and more!
Not sure which Loan Program is right for you? Don't worry; we'll help you find the best solution for YOU!
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Refinancing
Refinancing your existing mortgage could be very worthwhile! If you're considering refinancing, you may benefit from one (or more) of the following:
- Better interest rate
- Lower monthly payments
- Stabilized costs
- Shorten loan term
- Combine mortgages
- Consolidate other debt
- 80% Loan-to-value (ltv) 1st Mortgage with a Piggyback 2nd Mortgage
We would love the opportunity to discuss a refinance with you! Our competitive rates, low closing costs, and experienced team won't leave you disappointed!
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Renovating
No different than anything else, our homes need love and attention. Sometimes this calls for a renovation--big or small! We have a few ways to help fund your project:
- Renovation Loans
- Minnesota Housing Fix-Up Program
- Home Equity Lines of Credit (HELOC)
With our competitive rates, you don't have to wait until you can fund 100% of your project! Get started soon!
If you'd prefer to complete a paper application, you may download one here:
Helpful Application Tools:
Mortgage Affordability Calculator - Determine how much you might qualify for!
Mortgage Payment Calculator - Find out how much your monthly payment will be!