Applying for a home loan at Border State Bank is quick, and easy. Stop in and visit with one of our Mortgage Officers to complete your application; or use our new online “ClicknMortar” tool, allowing you to apply for a home loan at your convenience, anytime and from anywhere. A true mix of high tech, without losing the hometown relationship.


 Flexible financing for your most important asset.



  • First Time Home Buyers Program
  • FHA (Federal Housing Administration loans)
  • Refinancing
  • VA (Veterans Administration loans)
  • New Construction Loans
  • Home Equity Line of Credit (HELOC)
  • USDA (rural development loans)


Start your mortgage application online with one of our lenders.
 
BADGER
NMLS# 530663
218-528-3255
ROSEAU
NMLS# 1003973
218-463-3888

BAUDETTE
NMLS#530660
218-634-3300
ROSEAU
NMLS# 1688249
218-463-3888

CLEARBROOK
NMLS #1173262
218-776-3151

THIEF RIVER FALLS
NMLS# 530661
218-681-8085
COON RAPIDS
NMLS #1327647
763-780-6609
THIEF RIVER FALLS
NMLS# 530664
218-681-8085

GREENBUSH
MIDDLE RIVER
NMLS# 504770
218-782-2151

THIEF RIVER FALLS
NMLS# 647414
218-681-8085
 

INTERNATIONAL FALLS
NMLS# 1584905
218-283-5556



 
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.

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 Lines of Credit (HELOC)
Unlock the equity in your home to fund home improvements, college tuition, travel, or debt consolidation. 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.
 
USDA (Rural Development)
Programs that are available for qualified individuals that are living in qualified geographic locations (normally rural communities). These types of loans require little out of pocket money and zero down payment for those that qualify.
 
FHA (Federal Housing Administration)
Government back program that requires minimal down payment (as low as 3.5%) and allows for customers with less than perfect credit.
 
VA (Veteran Administration)
This program is for qualified active/retired veterans or their spouses and requires zero down payment with the additional benefit of no Monthly Mortgage Insurance.
 

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