Home Loans

Local financing for your North Dakota dream home.

Purchasing a home is exciting but can also seem a little stressful. The good news is that it doesn't have to be with the right team by your side! When you choose Town & Country Credit Union for your home loan, you'll have our entire team of local mortgage experts by your side to make the home loan process as simple and fast as possible. Located in Fargo and Minot, North Dakota, we understand what it's like to buy a home in the same community as you. 

Watch the video below or read on to learn why Town & Country Credit Union is the best choice for your next mortgage purchase or refinance.

Credit Union Home Loan Options

We offer a wide array of mortgage loan programs for all financial situations. Find the right type of home loan, guided by our local loan officers who can help you weigh your options before making such an important decision.

• ND and MN First-Time Homebuyer
• Conventional Mortgages
• FHA Loans
• VA Home Loans
• USDA/Rural Housing Loans
• Medical and Dental Mortgage Program
• Construction & Lot Loans
• Home Equity Loans
• Home Equity Line of Credit (HELOC)
• Refinance

Benefits of a Town & Country Home Loan

In addition to our exceptionally competitive mortgage rates, our home loans come with:

• Low Down Payment Programs: There's a misconception that buying a home comes with a large down payment, but that's not always the case. Meeting with a mortgage lender will help you determine how much you need to have for a downpayment.
• Low PMI: When you finance through a credit union, you'll get a lower rate on Private Mortgage Insurance, which can save you thousands of dollars over the life of your loan.
• Local Team: Our mortgage officers, processors, underwriters, and closers are all located right here in Minot and Fargo! Together, they'll keep the process running smoothly from beginning to end. Plus, you always know who to call with questions.
• Free Consultations: We're here for you every step of the way. Sit down with a local mortgage officer to discuss your financial situation and determine the best loan option for you with no strings attached.
• Online Application: Our online application makes getting pre-qualified for a home loan and communicating with your lender seamless and secure.

How to Apply for a Mortgage with Town and Country Credit Union

The mortgage application process starts with a simple online form that helps us pre-qualify you for a home loan. From there, you'll work with one of our mortgage experts in Minot or Fargo to make sure we have all the information we need to get the ball rolling.

What you need to apply for a mortgage loan:

• Current pay stubs covering the most recent 30-day period.
• Federal tax returns for the past two years, all pages and schedules.
• Asset/Bank statements for the past two months, all pages even if blank.

Having this information on hand helps us give you the most accurate quote for a home loan, along with monthly payment estimates.

When you should apply for a mortgage?

It's smart to start the process sooner rather than later. Getting prequalified before you start house hunting makes sure you're shopping within a realistic price range.