Mortgage Loans

Buying a home is a uniquely personal experience. For you, it may be the first place that's all your own. Maybe it means getting your dream house or making a smart investment. Whatever your goals, we'll help you get the mortgage that's right for you.

We Make it About You

Your home is all about you. Your mortgage should be, too. At Bremer Mortgage, we get to know who you are and what you want out of your home and your future. Once we understand the big picture, our experienced mortgage bankers take the time to guide you through the options.

The majority of our mortgage loans are serviced in house. This means you only work with local professionals who understand your needs and your community. We also offer a convenient online application, local appraisers who know the community and checking accounts that can save you money on closing costs. Anything we can do to make sure you're comfortable as you take each step toward your new home.

Mortgage Loan Options

From the traditional to the creative

Sometimes getting the right financing means going with traditional options. Sometimes it means finding a more customized option that fits your exact needs. Your Bremer mortgage banker can talk you through all our options and help you understand which one will work best for you.

Fixed-rate conventional mortgage

A fixed-rate, fixed-term loan option with predictable monthly payments.

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Adjustable-rate mortgage (ARM)

Generally offers lower monthly payments in the early years of the loan with rates adjusting in later years.

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FHA and VA

Federal loan programs for veteran, military, low down payment and less-than-perfect-credit customers.

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Jumbo loans

Loan amounts greater than $484,350 are considered jumbo or non-conforming loans.

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Affordable Housing Mortgage Programs

Bremer has a deep commitment to helping everyone attain the dream of owning a home. A Bremer mortgage banker is well versed in affordable housing mortgage programs in your area and can discuss your options.

Mortgage Rates, Personalized

There are many factors that go into choosing the right loan — and associated mortgage rates — for your needs. We'll go over everything from closing costs and origination fees to down payments and credit scores with you before personalizing a mortgage package with the best possible rate for your unique situation.

Lock in Your Rate for Longer1

We know not everyone goes from offer to close in 30 to 60 days. At Bremer that doesn't mean taking a risk on your mortgage rate. If you need a later closing date to accommodate construction delays, a job transition or any number of other life events, our Extended Rate Lock allows you to lock in your interest rate for up to 180 days.

If rates decrease during your extended lock period, you don't need to worry. You can request a one-time float-down to take advantage of the better rate.

  • 1 Borrowers exercising an extended lock are required to pay fees within 5 days of lock and cannot be paid by a seller. Extended lock fee is a non-refundable upfront fee unless the loan is denied by the lender. Only one float down per transaction. Float down must be exercised between 45 and 15 days prior to closing and will be adjusted to the current market 60-day par rate.