Home Loans

Whether buying, building or refinancing, Liberty Bank Minnesota offers a wide range of mortgage products to make this process quick and easy. Please contact us or apply on-line to begin your journey to your new home.
Click here for FREE mortgage loan prequalification.

Buying a Home

First Time Homebuyer Mortgage

We are here to help you realize the American Dream of home ownership. We have several first time home buyer loans including loans with reduced rates of interest, loans with no money down, options that eliminate the need to pay mortgage insurance and even loans with assistance with the monthly payment.
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Fixed Rate Mortgages

Obtain a long term fixed rate of interest on your mortgage loan. Fixed rate mortgages are the most popular type of loan. This option allows for precise budgeting since the principal and interest portion of the payment will not change for the life of the loan.
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Building a Home

You can save time and money with our construction loan programs. We offer a construction to permanent loan with one set of closing costs. We have bridge loan options if you have not sold your current home and we also have extended interest rate lock in programs to help ease the worry of changing interest rates.
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Refinancing a Home

Refinancing your home mortgage can provide several positive outcomes. As a homeowner you will want to consider refinancing to:

  • Reduce your mortgage payment by lowering the rate or extending the repayment period.
  • Decrease your interest expense over the life of the loan by refinancing to a lower rate of interest or reducing the term of the loan.
  • Reduce your mortgage payment and interest rate by switching from an adjustable rate loan to a fixed rate loan.
  • Access additional cash for home improvements, education expense, debt reduction or any other needs you may have.

Access our Refinance Calculator to find out if you can save money by refinancing.

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Liberty Bank Minnesota NMLS ID#411232