Purchases

As a new home buyer, you have unique needs and goals.  With our wide variety of loan programs, we can help you meet them. Purchasing or refinancing a home is a big event in your life.  We’ll help you manage the details of the mortgage process so you can enjoy the benefits of living in your new, improved, or refinanced home as quickly and stress-free as possible.  Along with very competitive rates and low fees, our mortgage lending staff is with you every step of the way to provide financing that meets your needs and fits your budget. 

- Fixed rate mortgages with terms of  10, 15, 20, 25, 30 and 40 years
- Adjustable rate mortgages
- 5 and 7 year balloon mortgages
- No down payment / 100%  loan to value programs
- Second home loans
- Loans available up to $4 million
- Programs for members with credit challenges
- Stated income and asset programs for self employed borrowers
- Manufactured home loans
- Loans for non-owner occupied, real estate investments for up to 4 units
- Simultaneous second mortgages and lines of credit

 

Robin VanValkenburg Loan Officer Spirit Valley Office 218.625.8810 e-mail

Molly Knute Loan Officer Cloquet Office 218.878.3636 e-mail

Laurie Kelley Loan Manager Cloquet Office 218.878.3612 e-mail

To schedule an appointment or ask questions contact Robin VanValkenburg serving the Duluth area, or Molly Knute or Laurie Kelley serving members in Cloquet, McGregor, Aitkin and surrounding areas.  

Click here to print the application. Just fill it out and return it to any of our locations.

Borrower's Checklist

Mortgage Calculators