Home Purchase Loans

Get personal service from the start of your search up until you close. Your dedicated Affinity Plus mortgage loan officer will listen, help you find the best loan for your situation, and be there whenever you need them.

The Affinity Plus difference:

Down payment guidance. We’ll explain your options and help you create a savings plan.
Competitive closings costs. And, you’ll know exactly what they are.
No pre-payment penalties. You can make extra payments monthly, or pay off your loan early without fees.
Affinity Plus loan servicing. We value that you chose us to borrow from, and we won't hand over the servicing of your loan to a third party. We'll be your partner over the entire repayment period.
Our guarantee. We'll always do what’s right for you.

Find the Home Loan for You

We offer conventional first mortgage loans for properties in Minnesota, North Dakota and Wisconsin. And if you're still looking for your dream place, we can get you preapproved.

97% Purchase (First-Time Buyers)

The 97% Purchase Loan is a true first-time homebuyer product. This requires only a 3% down payment, and has fewer hoops to go through than an FHA (Federal Housing Administration) loan does.

This loan is a fixed-rate mortgage with 15-, 20-, or 30-year terms.

Fixed-Rate Mortgage

Fixed-rate mortgages are one of the most popular types today. They give you the security of a monthly payment that doesn’t change.

We offer fixed-rate conventional mortgages with 15-, 20-, or 30-year terms. Our accelerated mortgages offer terms of 12 years or less.

Adjustable-Rate Mortgage (ARM)

Adjustable-rate mortgages (ARMs) provide low initial rates and payments. An ARM loan allows you to take advantage of low or falling rates without refinancing. With an ARM, your interest rate and monthly payment will be fixed for an initial period of 3, 5 or 7 years, then the interest rate and monthly payments adjust annually after the initial fixed period.

Jumbo Purchase

A Jumbo Mortgage allows you to obtain a loan over $453,100. These loans are eligible for all fixed-rate terms or Adjustable Rate Loans.

We offer fixed-rate jumbo mortgages with 15, 20, or 30 year terms. Our accelerate mortgages offer terms of 12 years or less, and ARM loans are available.

End-to-End Full Service

We want to be your partner through your entire loan journey. And while providing a full range of loans and services, we'll make it as simple as possible.

Home Buying Help

Lock & Shop

Shop for the right place without having to worry about interest rates going up. Our Lock & Shop rate lock program lets you lock in your interest rate without a purchase agreement.

Find out how it works