Mortgage Programs

Conventional Mortgages

Our most popular type of loan, a Fixed-Rate mortgage is a great solution because it's predictable and stable.

  • Allows for precise budgeting
  • Interest rate remains the same for the life of the loan
  • Serviced in-house by people you know
  • Loan can be seen in Online and Mobile Banking

Balloon Mortgages

Certain situations don’t fit the cookie-cutter mold of the secondary market; a balloon mortgage can be a great alternative!

  • Typically, interest rates are lower than fixed-rates
  • 5-year interest rate lock
  • Interest rate may change after 5-years
  • Payment amount may increase or decrease, based on the interest rate
  • Great option for those who are trying to payoff the loan faster
  • Terms can be customized to fit your unique situation
  • Generally faster turnaround times


Home Equity Lines-of-Credit (HELOC's) take advantage of the equity in your home. Use this line-of-credit to update your home... and more!

  • Approvals based on the equity in your home and your loan-to-debt ratio
  • The funds can be used for anything, as long as it's paid back within the terms

Construction Loans

Building new? Adding on? Use this type of loan to fund your project. WHAT'S THE DIFFERENCE BETWEEN THIS AND ------>

  • Interest-only payments until completion

Construction-to-Perm Loans

This loan is the all-in-one solution for purchasing a lot and building a home!

  • Interest-only payments until completion
  • Eliminates the need for additional appraisals and closing costs


Refinancing your existing mortgage could be very worthwhile! If you're considering refinancing, you may benefit from one (or more) of the following:

  • Better interest rate
  • Lower monthly payments
  • Stabilized costs
  • Shorten loan term
  • Combine mortgages
  • Consolidate other debt

Meet Our Mortgage Pro!

Ryan Peterson

Assistant Vice President & Residential Lender (NMLS #1069585)
(320) 335-5803 |

*Programs listed subject to change and availability