Real Estate

Are you buying, building, or renovating your home? We’d love to help you make your dream come true.

NMLS # 713357


Mortgage Loans

  • Whether you’re a first-time homebuyer or a pro at moving, our mortgage officers are experts at finding the best option for your needs.

  • We offer financing for Conventional, VA, FHA, and USDA Financing

  • With our quick online service, apply in a blink!  Just choose your officer and click their link!

HECM for Purchase/Reverse Mortgages

Convert the equity you've built up in your home into additional funds through a Home Equity Conversion Mortgage Loan (HECM), also known as a reverse mortgage. This unique type of loan is available for people age 62 and older. For more information on reverse mortgages, see our reverse mortgage page

  • Pay off an existing mortgage (required as part of the loan) and eliminate monthly principle and mortgage payments. Homeowner continues to pay property tax, homeowner'sinsurance, and association dues if applicable

  • Make retirement savings last longer

  • Use a "standby" HECM reverse mortgage growing line of credit to preserve investment accounts during market downturns or build a safety net for unplanned emergencies, home repairs, or healthcare expenses

  • Supplement your retirement income with monthly payments

  • Use a HECM for Purchase loan to buy a home that better fits your neds

  • Support aging in place expenses, like caregiving and home modifications

Home Equity Loans

Whether you already know the amount you need for your project or you’re looking for the flexibility of a revolving line, using the equity of your home has many benefits! Use these to fund your next improvement projects, buy a car, pay for school, or make sure you have money for the unexpected.  

Contact an officer today to learn about your options!

Fix-Up Fund Loans

Ready to Fix Up Fund or Remodel your home? Take advantage of Minnesota’s Fix-Up Fund program!

  • Affordable, fixed interest rates with lower interest rate for energy conservation and accessibility improvements 

  • Higher loan-to-value ratio on secured loans than traditional loan products

  • Longer repayment terms mean lower payments

  • Hire a contractor or do the work yourself

  • No prepayment penalty

  • Single family homes, duplexes, triplexes and fourplexes are eligible (You must own and occupy the property to be improved)

For more information, check out our Fix Up Loans page by clicking here

Talk with an officer today about qualifying!

Wade Vogl

Mortgage Loans

928 McKinley Ave

Detroit Lakes, MN 

NMLS #582528

Direct: 218-359-0672

Email: [email protected]

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Denelle Wibe

Mortgage Loan Officer

Home Equity & Fix Up Fund Loans

11 1st Street Southwest

Ulen, MN 56585

NMLS #791398

Direct: 218-359-0692

Email: [email protected]

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