Flexible financing for your most important asset.

  • Fixed Rate Mortgages
  • First Time Home Buyers Program
  • Refinancing
  • New Construction Loans
  • Home Equity Line of Credit (HELOC)

MN Fix Up Program
Border State Bank is a Premier MN Fix Up Lender: If you're looking to make updates to your home, we can assist you with a MN Fix Up Loan. For more information, access complete details here and contact your local  Real Estate Officer. 

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.


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 Lines 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 Credit Line, and then repay it, the funds become immediately available for you to use again. Best of all, the interest may be tax deductible. Consult your tax advisor and talk with your Border State Bank Lending Officer to see if a HELOC is right for you.

Local, personalized service makes the difference! Contact one of our Real Estate Officers TODAY!