Purchases

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Buying a home? Our mortgage team is comprised of professionals here to help you get the financing you need with our wide array of mortgage programs. Their goal is to find you the best mortgage options for your qualifications, that also achieve your goals.

Ask your Mortgage Officer about our new program for Medical Residents, Doctors, Surgeons and Pharmacists that takes into account your career field when purchasing a home.

Don't forget to ask about our Low Rate Guarantee!

Renee Freeman

Reneé Freeman
Executive Mortgage Officer

NMLS# 440334

5181 38th Street South
Fargo, ND 58104
Phone: (701) 356-1784

Peter Johnson

Peter Johnson
Executive Mortgage Officer

NMLS# 491577

5181 38th Street South
Fargo, ND 58104
Phone: (701) 356-1827

Jacqi Lien

Jacqi Lien
Executive Mortgage Officer

NMLS# 1493292

925 14th Avenue East
West Fargo, ND 58078
Phone: (701) 356-1764

Eric Miller

Eric Miller
Executive Mortgage Officer

NMLS# 1393120

815 25th Street South
Fargo, ND 58103
Phone: (701) 356-1724

Mike Hennebry

Mike Hennebry
Executive Mortgage Officer

NMLS# 1584104

1501 32nd Avenue South
Fargo, ND 58103
Phone: (701) 356-1719

Renata Buen

Renata Buen
Executive Mortgage Officer

NMLS# 789467

615 South Broadway
Minot, ND 58701
Phone: (701) 420-6727

Jill Lohnes

Jill Lohnes
Executive Mortgage Officer

NMLS# 757152

615 South Broadway
Minot, ND 58701
Phone: (701) 420-6713

Lisa Thuner

Lisa Thuner
Executive Mortgage Officer

NMLS# 200018

615 South Broadway
Minot, ND 58701
Phone: (701) 420-6737

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Mortgage Officers

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Conventional Mortgage Loans

• As little as 3% down payment required to finance purchase price
• Requires mortgage insurance if financing over 80% of the purchase price
• Insured by third party private mortgage insurance companies

Conventional Mortgage Loans for a Second Home (Lake or Vacation Home)

• As little as 10% down payment required to finance purchase price
• Requires mortgage insurance if financing over 80% of the purchase price
• Insured by third party private mortgage insurance companies

Rates and loan approval are dependent on credit and underwriting factors and may be subject to additional eligibility criteria. Rates, terms and conditions are subject to change without notice. Contact us for more details.

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Conventional

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FHA Mortgage Loans

• As litte as 3.5% down payment needed to finance purchase price

• Gives allowance for lower credit scores and higher debt to income ratios

• Requires mortgage insurance that is issued by the government

VA Loans

We are proud to offer the best rates to America's Heroes. VA Loans are for Qualified Military or Veteran Persons.

• Finance up to 100% of the purchase price with no down payment required
• Does not require monthly mortgage insurance, which lowers the monthly payment

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FHA / VA

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Do you have more questions than answers when it comes to buying your first home? Don't stress. We've got you covered.

Our experienced mortgage team can help qualified borrowers access downpayment and closing cost assistance through the First-time Homebuyer Program. This program can be combined with Conventional, FHA, VA or USDA/Rural Housing loans.

Ready to get moving with your new home? Reach out to one of our helpful mortgage lenders with any questions you may have or apply online now and get your pre-qualification started.

We can help you determine how much you qualify for, how much of a downpayment you need to save, what you can do to improve your credit if needed, and more. It's time to stop feeling overwhelmed. Our mortgage lenders can help make home happen for you.

young, couple, keys, happy, house, home,

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First-time Home Buyer

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USDA/Rural Housing Loans

• Finance up to 100% of the purchase price with no down payment required

• Is eligible for rural properties only

–Can verify if property qualifies by going to USDA website and searching eligible properties

• Is insured by the government.

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USDA/Rural Housing

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Bridge Loans

Ready to purchase your dream home, but haven't sold your current house just yet? A bridge loan can help!

The short-term, temporary loan provides financing to help cover costs while selling one house and buying another. The loan is secured to your current home and provides the funds to finance the new home with the expectation that the loan will be repaid with the proceeds of the sale of your existing home.

To learn more how a bridge loan can help you, contact one of our Mortgage Loan officers.