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When it comes to home loans, Center National Bank has all the bases covered. We offer competitive rates, seamless closings, and unsurpassed personal service. Our wide variety of financing options help you get the most house for your money. Whether you want to build, buy, or refinance, our local loan officers will help you get home.

Financial Calculator

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A variety of financing programs available:
    • Fixed rate mortgages
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Preferred Home Loan Program
    • Construction Loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Attentive, friendly service from start to finish


  • Down payments as low as 5%
  • Amortization periods from 10 to 30 years
  • Fixed/level payment of principal and interest for the life of the loan; interest-only payments available in some situations
  • May require private mortgage insurance


  • Easier to qualify than a standard loan
  • Available in fixed rate or ARM
  • Down payments as low as 3.5%
  • Flexible terms up to 30 years
  • Requires FHA mortgage insurance
  • Pre-qualification available
  • Quick decisions, and local service
  • Mortgage insurance is built in, does not require additional PMI purchase


  • Available to veterans and active military service members
  • Typically require no down payment
  • Minimal closing costs
  • Up to 100% financing for eligible military personnel
  • Fixed/level payment of principal and interest for the life of the loan
  • Flexible terms up to 30 years
  • Monthly mortgage insurance not required


  • Long-term, fixed interest rate
  • 30-year terms
  • Income limits apply
  • Ideal for first-time homebuyers
  • Low to no down payment
  • Lenders with experience in the local real estate market
  • Attentive service throughout the entire process


  • Competitively low rates for home purchase or refinance
  • Receive fast decisions with local underwriting
  • Enjoy lower costs with local processing
  • Convenient payments made directly to Center National Bank
  • Attentive, friendly service from start to finish
  • Center National Bank retains servicing of loan
  • Local decision-making and processing


  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed


Make sure you have the Items Needed for Purchase or the Items Needed to Refinance.


We've helped generations of Minnesota families (so we feel a little invested). See how we support your community.

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Make the Switch

Let us take care of you. Follow these simple steps to switch your accounts and services to Center National Bank.

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