Personal Banking

What our customers should know:

Bremer has helped people achieve their dreams of homeownership for over half a century. Our experienced mortgage loan officers can help with any mortgage need you have, whether you're a first-time home buyer, looking to move into a different home, looking to refinance, or about to build a home. Bremer makes the loan process easier with simple, how-to advice on the pre-approval process, loan options, and home inspections.

• Bremer has never offered subprime mortgages. Bremer’s approach to serving our customers is rooted in what is best for the long-term mutual benefit of our customers, communities, and employees. We believe in using ethical lending practices that ensure people can afford the homes they purchase.
• Current mortgage rates are very good. Bremer offers competitive rates and has a wide variety of mortgage financing solutions to meet your individual needs.
• Home values naturally adjust based on supply and demand. There are currently a high number of homes on the market, which may be affecting overall home values. This historically is seen as a shift from a “seller’s market” to more of a “buyer’s market”.
• There are many great resources available to help you stay informed
  • Find a Bremer Mortgage Loan Officer near you. They can help you understand:
    • the product offerings,
    • what you can afford, and
    • whether you are ready for homeownership.
  • Read A Subprime Mortgage Primer for Bank Customers  (pdf). This information, developed by the American Banker’s Association, gives an excellent overview of what the subprime mortgage crisis is…and also what it is not.
  • Review our Loan FAQ and Mortgage Links  pages for additional information related to loans, the loan process, and credit.

We look forward to helping you with your home transaction.