The Best Mortgage Lenders in Rogers, ND
Compare verified mortgage lenders serving Rogers, North Dakota. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Rogers
Featured Mortgage Lenders
Gate City Bank Mortgage Team
Gate City Bank
Gate City Bank is one of North Dakota's most trusted financial institutions with nearly a century of service. While based in Fargo, they serve the entire state including Rogers and surrounding communities. They consistently receive top ratings for their personalized mortgage service, competitive rates, and deep understanding of North Dakota's housing market. Their mortgage specialists are praised for guiding clients through the entire process with exceptional customer service and local decision-making authority.
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Bell Bank Mortgage Division
Bell Bank
Bell Bank has built an outstanding reputation across North Dakota with their "Happy Banking" philosophy and community-focused approach. Their mortgage team serves Rogers and the entire Grand Forks region with competitive rates and flexible loan options. Customers consistently praise their responsive service, transparent process, and local underwriting that understands rural and small-town property needs. They offer both in-person and digital mortgage services.
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Waterstone Mortgage Fargo Team
Waterstone Mortgage Corporation
Waterstone Mortgage has built a strong regional presence in eastern North Dakota with their Fargo office serving communities throughout the Red River Valley including Rogers. They specialize in personalized mortgage solutions with local processing and underwriting. Customers highlight their efficient closing process, competitive rates, and expertise with both urban and rural properties. Their experienced loan officers provide comprehensive guidance through the entire mortgage journey.
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Frequently Asked Questions
Common questions about mortgage lending in Rogers, ND
Are there any special mortgage programs for first-time homebuyers in Rogers, ND?
Yes, the North Dakota Housing Finance Agency (NDHFA) offers several programs, including the FirstHome program with competitive interest rates and down payment assistance, which is accessible to buyers in Rogers. These programs often have income and purchase price limits, but Rogers' market typically falls well within these ranges, making them an excellent resource for local first-time buyers.
How do property taxes in Walsh County affect my monthly mortgage payment in Rogers?
Walsh County property taxes are a significant component of your escrow payment. While North Dakota has relatively moderate property taxes compared to national averages, it's crucial to get an accurate estimate from the Walsh County Treasurer's Office when budgeting. Your lender will use this rate to calculate your monthly escrow, which can vary based on the specific property's assessed value.
What is the typical down payment needed for a home in Rogers' rural market?
While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Rogers utilize USDA Rural Development loans, which require 0% down for eligible properties. Given Rogers' location, a significant portion of homes and land may qualify for this program, making homeownership accessible with minimal upfront cash.
Are interest rates different for mortgages in a small town like Rogers compared to larger cities?
Mortgage interest rates are primarily set by national markets and your personal credit profile, not your city's size. However, working with a local lender familiar with Rogers and Walsh County can be advantageous. They understand the appraisal process for rural properties and can efficiently navigate programs like USDA loans, potentially streamlining your approval.
What should I know about getting a mortgage for an older home or acreage in Rogers?
Financing older homes or properties with acreage requires careful consideration. Lenders may have stricter appraisal requirements for unique or older properties. For larger parcels, you may need an agricultural or non-standard loan product if the land is beyond typical residential lot sizes. It's essential to work with a lender experienced in rural North Dakota real estate to navigate these specifics.
Why Choose a Mortgage Lender in Rogers?
Local Market Knowledge
Lenders who understand Rogers's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in North Dakota.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Rogers and get competitive rates on your home loan.