Consumer Mortgages
Flexible financing for your most important asset.
Fixed Rate Mortgages Adjustable Rate Mortgages First Time Home buyers Program Refinancing New Construction Loans Home Equity Line of Credit (HELOC)
Fixed Rate Mortgage Loans
With a Fixed Rate Mortgage Loan, the interest rate is fixed and your principal and interest payment remain the same for the life of the loan. That means you don't need to worry about a constantly changing market.
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 State 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 State Bank to provide the construction financing you need. Border State 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 Line of Credit (HELOC)
Unlock the equity in your home to fund home improvements, college tuition, travel, or debt consolidation. You can access your funds by simply writing a check. As you borrow against your Home Equity Line of Credit, and then repay it, the funds become immediately available for you to use again. Best of all, there are no closing costs and the interest may be tax deductible. Consult your tax advisor and talk with your Border State Bank Residential Lending Officer to see if a HELOC is right for you.
Local, personalized service makes the difference!
Contact a Real Estate Officer at Border State Bank TODAY!
Real Estate Officers
Badger
Christine Modahl
NMLS# 530663
218-528-3255
Baudette
Roseann Swenson
NMLS# 530659
Amanda Risser
NMLS# 530660
218-634-3300
Greenbush
Lisa Bergsnev
NMLS# 504770
218-782-2151
International Falls
Molly Bragg
NMLS# 690519
218-283-5556
Roseau
Anna Stewart
NMLS# 1003973
218-463-3888
Thief River Falls
Cassandra Torkelson
NMLS# 530661
Pam Dallman
NMLS# 530664
Nicole Spaulding
NMLS# 647414
218-681-8085
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