Improve Your Home Loans

Your home is a major investment. Whether you’re building, renovating, or looking for something new, our mortgage specialists are ready to help. Contact Steve at 701-223-6533 or by email at and he can advise you on what type of loan would work best for your needs.

First Mortgage Loans

These loans are used for purchases, not sold to the secondary market, and can be amortized up to 30 years with a 5 year balloon.

Home Improvement Loans

Securing a mortgage on your home for home improvements may fall either under a home equity loan or second mortgage loan.  You may use the equity in your home for making home improvements.

Second Mortgage Loans

These loans can be amortized up to 20 years with a 5 yr. balloon.

Construction Loans

These loans are secured by a first mortgage on the property under construction.  The loans are set up for a period of 12 months with interest payments due monthly on the principal balance. The amount financed is 75% of the appraised value or project cost, whichever is less.

Secondary Market Loans

These loans are used for purchases or refinances with fixed or adjustable rate mortgages up to a 30 year fixed rate.  They are then sold off to the secondary market.

Home Equity Loans

These loans can be in the form of a second mortgage securing up to a total of 90% loan to value with a fixed rate up to 5 years.  Home equity loans can be amortized over a longer period of time with a balloon after five years.  Theses loan can be used for many purposes.

Lot Loans

Lot loans can be purchased with the intent to construct a residence in the future. These can be financed up to 180 months with a five year balloon.

Make the most of your first meeting

If you're looking for pre-approval, we can do that at on your first visit, provided we have the following information:

  • 2 yrs. tax returns,
  • copy of your last pay stubs,
  • a list of your outstanding debts,
  • retirement and investment account balances,
  • copy of your current mortgage statement (if applicable)
  • copy of your home owners insurance (if applicable)
  • copy of the purchase agreement (if applicable)