Home Loans

From first homes to forever homes.

Whether you’re buying, building, refinancing, or using your home’s equity, our local lenders will help you find financing that fits your plans.

Apply for a Home Loan

Download Home Loan Checklist

Home Loan & Mortgage Options

Flexible financing built around your plans.

Compare options for buying or refinancing a home, borrowing a fixed amount, or accessing equity as you need it.

Mortgage Loans

Explore mortgage loans to buy, build, or refinance a primary home, vacation home, or investment property.

Talk to a Mortgage Lender

Home Equity Financing

Tap into your home’s equity with a fixed home equity loan or flexible home equity line of credit.

Compare Home Equity & HELOCs

Home financing with more built in.

See how Minnesota First’s features and benefits apply across our mortgage and home equity options.

Comparison of Minnesota First home financing features
Feature. Scroll horizontally for product details.	About this feature	First Mortgage	Second Mortgage	Home Equity	HELOC
Cost & savings
Competitive fixed rates	Predictable payments over time.	Available	Available	Available	Not available for this option
Low closing costs	Helps reduce upfront expenses.	Available	Available	Available	Available
No PMI*	No private mortgage insurance when eligible.	Available	Available	Available	Available
No prepayment penalty*	Pay early without an added fee.	Available	Available	Available	Available
Potential tax benefits**	Interest may be tax deductible.	Available	Available	Available	Available
Loan flexibility
Flexible financing	Payments tailored to your budget and needs.	Available	Available	Available	Available
Loan modification options	Adjust qualifying loan terms as needs change.	Available	Available	Available	Not available for this option
Interest-only options	Flexible interest-only payment options.	Not available for this option	Not available for this option	Not available for this option	Available
Flexible payment schedules	Pay weekly, bi-weekly or monthly.	Available	Available	Available	Available
Local Convenience
Automatic payments	Pay from checking, savings or payroll.	Available	Available	Available	Available
Fast in-house approvals	Get a faster answer from our local team.	Available	Available	Available	Available
Local loan servicing	Your loan stays with Minnesota First.	Available	Available	Available	Available

*Certain restrictions apply.

**Consult a tax advisor for eligibility.

—Not available for this option.

The MN First Approach to Home Lending

Local decisions. Guidance built around you.

Our mortgage team considers your down payment, monthly budget, taxes, insurance, and complete financial picture to help you find an option that fits.

Local, in-house approvals

Get clear answers directly from Minnesota First decision-makers.

Guidance from application to closing

Work with an experienced local lender throughout the process.

Loans serviced in-house

Continue working with Minnesota First after your loan closes.

Flexible payment schedules

Choose weekly, biweekly, or monthly payments.

Testimonials

What Our Customers Say

"I have banked with Minnesota First over the past 20+ years and they have always been great to deal!! Very friendly, helpful and loans are processed in a very reasonable amount of time, one of the best banks to do business with."

Jason A.

"This bank is very great and are very helpful. I got my very first ATVs, my first house as well. This bank won't ever disappoint you."

Leighann M.

"I have dealt with Minnesota First on a few occasions and I have to say their service is fantastic! Whenever I have questions or any other interactions with them it's like dealing with a good friend. I highly recommend Minnesota First!"

Melissa L.

"I needed help with a loan and they made it so effortless and easy to manage. Minnesota first is my #1 go to for loans. Always quick to respond and get everything in order in a timely manner. They definitely make you a priority."

Brooke O.

"Minnesota first has been absolutely great! Got me really good rate on my loan and very personable and helpful throughout the process."

Tyler A.

How to apply for a home loan

What you’ll need to get started.

Review the application checklist, submit your information online, or contact our local mortgage team for help along the way.

Review the application checklist.

View the Home Mortgage Loan Application Checklist to see the information and documents you’ll need.

Apply online or in person.

Submit your home loan application securely when you’re ready, or stop by a branch.

Get personal support.

Contact a Minnesota First mortgage lender with questions about your application or loan options.

Application Checklist

Apply For a Home Loan

Home Loan Guidance

Let’s bring your home plans to life.

Still weighing your options? Our local mortgage team can answer your questions and help you choose the right next step.