Buying a home is a uniquely personal experience. For you, it may be the first place that's all your own. Maybe it means getting your dream house or making a smart investment. Whatever your goals, we'll help you get the mortgage that's right for you.
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.
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.
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A fixed-rate, fixed-term loan option with predictable monthly payments.
Predictable monthly payments are friendly on the budget.
In the early years of the loan, your payments largely go to interest.
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Generally offers lower monthly payments in the early years of the loan with rates adjusting in later years.
You may have a lower interest rate or payment initially.
The rate may re-set to a higher rate, resulting in higher payments after the initial period.
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Loan amounts greater than $484,350 are considered jumbo or non-conforming loans.
You may be able to finance up to 95% with no mortgage insurance and choose from a fixed or variable rate loan.
Your mortgage banker can guide you through the jumbo loan process and how to manage the loan to best suit your needs and financial goals.
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Federal loan programs for veteran, military, low down payment and less-than-perfect-credit customers.
Usually offer lower down payments, reduced closing costs or other discounts.
May require additional guidelines and documentation during the loan process.
We understand new medical professionals have unique financial needs. So we built a mortgage program that helps you buy a home, become part of the community, and still save for tomorrow.
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.
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A major life change like homeownership comes with a learning curve. We do our best to help smooth out that curve not only through expert guidance from local mortgage bankers, but also with guides, tips and checklists designed to make home buying easier.
