Home Loans & Mortgage Services
Buying or refinancing a home is one of the most important financial decisions you will make. At Dakota Community Bank & Trust, our experienced mortgage professionals are here to guide you through the process with personalized service, local expertise, and loan options designed to fit your needs.
Home Loan Options
First-Time Homebuyer Loans
Our first-time homebuyer programs are designed to make homeownership more accessible. We offer guidance, competitive terms, and education tools to help you understand the process and move forward with confidence.
Conventional Loans
Conventional home loans offer flexible terms and competitive rates for qualified borrowers. These loans are ideal for primary residences, second homes, and investment properties.
Veterans Affairs (VA) Loans
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans often require no down payment and offer favorable terms as a way to honor your service.
Federal Housing Administration (FHA) Loans
FHA loans provide flexible qualification guidelines and lower down payment options, making them a popular choice for many homebuyers.
Rural Housing Loans
Designed for eligible rural and suburban properties, rural housing loans offer affordable financing options with low or no down payment requirements.
A Trusted North Dakota Mortgage Lender
As a North Dakota mortgage lender, Dakota Community Bank & Trust has been recognized statewide multiple times as a Champion of Affordable Housing for mortgage lending. This recognition reflects our commitment to helping local families access quality, affordable home financing while supporting the communities we serve.
Convenient Online and In-Person Mortgage Services
We are pleased to offer our home loan services both in person and online for your convenience. With Dakota Community Bank & Trust, you can:
- Apply for a mortgage online, anytime, day or night
- Save your application and return to it when it fits your schedule
- Check your loan status online at your convenience
From application to closing and beyond, our process is designed to be simple, secure, and easy to navigate.
Local Underwriting and Servicing
Your Dakota Community Bank & Trust home loan is locally underwritten and serviced. That means your loan stays close to home, and you work with people who understand the local market and your unique financial goals. Our mortgage team is always available to answer questions and provide ongoing support.
Merchant Capture saves you time by automating your deposit process and eliminating the need to travel to a Dakota Community Bank & Trust location to deposit your checks; all while maintaining your business’ and your customer’s privacy.
Get the App
The Dakota Mortgage app from Dakota Community Bank & Trust puts the home loan process right at your fingertips. Easily upload documents, communicate with your mortgage loan officer, track your loan status, and calculate estimated monthly payments, all in one convenient place.
Mortgage Resources
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Mortgage Educational Videos
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Mortgage Do’s and Dont’s
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