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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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