Finance your home, vehicle, or about anything else you might think of with help from First National Bank Minnesota! We have the tools and people to serve all of your home and personal lending needs, from competitive rates to educational tools. Nobody knows your market better, because we're right around the corner.


Home Mortgage Loans

For most people, buying a home is the largest investment they will make and one of the biggest financial steps they will take in their life. When you’re ready to take that step, trust the lending team at First National Bank Minnesota to help! We create custom mortgages to meet your out of the ordinary needs, as well as offer a comprehensive menu of standard mortgage products.

Click a button below to contact one of our mortgage lenders or apply online!

Contact a Lender   APPLY ONLINE

Refinance Loans

Did you know that you can lower your payments each month and reduce the amount of interest paid over the life of your loan if you refinance at a lower interest rate? If the market is right for you, First National Bank Minnesota can help you maximize your monthly income.

Should I refinance?

should i rent or buy?

how much will i save by increasing my mortgage payment?

how much mortgage might i qualify for?

Fixed-Rate Mortgages

If you think your new home is likely to be your forever home, a long-term fixed rate mortgage may be the best option for you. With these loans, your interest rate, principal, and interest payments remain the same for the duration of the loan, from 10 to 30 years, so you always know what your costs will be.

Construction Loans

Let First National Bank Minnesota make your dream home a reality with a new home construction loan. We can help you build your future.

Special Loan Programs

Check with us for any updates on grant programs or special first-time home buyer programs that come available from time to time.


2022 Metro Area First Time Home Buyer Grant Program Information

VA Mortgage Financing

First National Bank Minnesota proudly offers VA loans to military borrowers including active-duty personnel, veterans, reservists, National Guard members, and their surviving spouses.

  • No down payment required on eligible loans*
  • No private mortgage insurance (PMI)
  • Competitive rates typically below conventional loans
  • Fixed and adjustable rate options
  • Use for an owner-occupied, primary residence
  • Flexible credit qualifications
  • Ability to finance the VA funding fee
  • Jumbo financing to $1.5 Million (may require down payment)

* Current guidelines for VA Financing can be found at Conditions and restrictions apply. Not all applicants will qualify.


Home Equity Line of Credit (HELOC)

You’ve put a lot of work into your home.  A Home Equity Line of Credit (HELOC) at First National Bank Minnesota will put your home to work for you! A HELOC is the perfect way to tap into your home’s equity to help pay for home improvements, unexpected expenses, or other exciting opportunities.  A HELOC from First National Bank Minnesota offers:

  • Competitive rates with both variable and fixed rate options available
  • Use the existing equity in your home as collateral
  • Flexible terms that work with your budget and customized to your situation
  • Revolving credit – as principal is repaid, more becomes available for use without re-applying
  • Only pay interest on what you use
  • Access funds in person with a banker, through online banking, mobile app, or checks
  • Quick, local decision making and processing
  • Fast, flexible, and reliable service throughout the entire process

If you’re ready to put your home’s equity to work for you, visit a banker today to begin the application process! 



Other Loans

Whatever your needs, come to First National Bank Minnesota and let our lending experts personalize a loan for you. With fast, flexible, and reliable financing, the possibilities are endless!


Personal and Auto Loans

At First National Bank Minnesota, we understand the need for a Personal Loan can arise from a variety of situations. Whether it’s an unexpected expense or an exciting new opportunity, whatever your personal lending needs, our professional, experienced lending team is prepared to customize a Personal Loan just for you. We have a variety of rate and term options to fit your needs.


Student Loans

Paying for college can be stressful.  First National Bank Minnesota has partnered with College Ave Student Loans, a private student loan company, to provide financing options without stress.

College Ave offers undergraduate, graduate, parent, and refinance loans.  Whether you're a college student or the parent of a college student, we'll help you find the best loan with a 3-minute application, instant credit decision and no fees to apply. 



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