Mortgage Loans

Take advantage of competitive financing for your next home.  We offer mortgages, refinancing and constructions loans for primary residences, vacations homes, recreational land, investment properties and more.

We also offer VA (Veteran Affairs) and FHA (Federal Housing Administration) loans.

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Features

  • Competitive low rates for home purchase, refinance or construction
  • Low down payment options
  • A wide range of terms customized to your unique situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-qualification for extra confidence when it comes to securing financing
  • Refinance your home to potentially lower your rate
  • Construction loans with one-time close option: finance the construction, then obtain permanent financing at completion to save you time AND money!
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
Home Equity Line of Credit

A home equity line of credit offers competitive rates to cover the cost of home improvements, debt consolidation, major life events and more.

  • Funds available anytime without reapplying for each need. Apply once then use repeatedly until it’s time to renew the line of credit.
  • Revolving credit – As principal is repaid, you have the ability to borrow additional funds when needed.
  • Funds easily accessible by transferring to a Neighborhood National Bank account or through a Cashier’s Check
  • Interest paid may be tax deductible (consult a tax advisor)
  • Decisions are made quickly and handled by local lending professionals you know and trust.
  • Attentive, friendly service from start to finish

Apply Now!

Second Mortgage

Turn the value of your home into the cash you need.
With a Second Mortgage, you can unlock the equity in your home to fund life’s next big step—whether it’s a dream renovation or a fresh financial start. 

Tap into your home’s equity to:

  • Remodel your kitchen, bathroom, or entire home
  • Consolidate high-interest debt into one manageable payment
  • Cover major life events like weddings or education expenses
  • Make energy-efficient upgrades or add solar panels
  • Take that dream vacation you’ve always planned
  • Cover medical expenses or unexpected costs
  • Invest in a second property or land
  • Start or grow a small business

Apply Now!


Our Mortgage Lenders

Heidi Bruns
Alexandria
NMLS #506657
320-763-2220
Heidi.Bruns@Neighborhood.BANK

Apply Now!

Ben Berghuis
Brainerd
NMLS #1686250
320-364-1238
Ben.Berghuis@Neighborhood.BANK

Apply Now!

Teri Heggernes
Mora
NMLS #789497
320-364-1229
Teri.Heggernes@Neighborhood.BANK

Apply Now!

Eric Ness
North Branch
NMLS #747365
651-674-8000
Eric.Ness@Neighborhood.BANK

Apply Now!