Mortgage Loans

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.

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.

Lock in Your Rate for Longer¹

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.

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.