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Home Loans In Fargo, North Dakota

Welcome to Capital Home Mortgage North DakotaHome to over 125,000 residents, Fargo is the largest and most populous city in North Dakota. The city boasts diverse neighborhoods, with the bulk of its new residential growth occurring in the south and southwest areas. Thanks to the growing labor force and employment rates, Fargo’s housing market is poised for expansion in the coming years. 

If you’re house hunting in Fargo, finding the right home loan makes all the difference. At Capital Home Mortgage Fargo, we’re all about helping you get the right financing for your dream home at competitive rates and low fees. 

Purchasing A Home In Fargo, ND

Buying a home is exciting, but you’ll need to take out a mortgage to finance your purchase unless you’ve got hundreds of thousands of dollars lying around. But that’s only one of many considerations. 

Let’s walk you through the steps to buying a house in North Dakota, so you can better navigate your choices. 

  • Evaluate Your Financial Situation

First, understand how your current financial situation impacts your buying options. The most important thing to consider is your ability to repay the home loan successfully. 

Other related financial considerations include your credit score, down payment, debt-to-income ratio, closing costs, and home maintenance costs after the purchase. 

  • Get Pre-Approved For A Mortgage

House hunting will become more straightforward if you already have a mortgage pre-approval letter. Many sellers will not be willing to entertain any offers unless they know you have been pre-approved for a home loan. 

The main factors in the mortgage pre-approval process are stable income, a strong credit score, and a manageable debt level. The mortgage lender you choose will also play a huge part in closing the deal. Make sure you choose one with a proven reliability and customer service record. 

  • Choose The Right Neighborhood

Location impacts a property’s value. Look at the average home values of a neighborhood to know if the properties there are within your budget. 

The neighborhood will also influence your everyday living — your daily commute, where your kids go to school, where you go out to eat, and more. So, be sure to put some thought into your decision. 

  • Make Your Offer

Once you find a house that meets your specifications, the next step is to make an offer. Start with a firm offer to immediately stand out to the seller. 

You’ll want to move fast too. According to Forbes, good residential properties in Fargo tend to get snapped up quickly, especially since the city was listed among the top places to retire

Fargo, ND Mortgage Lender

When looking for ideal home loans in Fargo, North Dakota, you’ll likely come across different lenders, each with benefits and pre-approval requirements. 

Capital Home Mortgage caters to many borrowers as a full—service mortgage lender, from first-time homebuyers to seasoned real estate investors. Our wide variety of Fargo home loan programs includes FHA loans, Conventional loans, USDA home loans, VA loans, Jumbo loans, and even Non-Qualified mortgage loans.

We’ve also streamlined our loan application and approval process, so you have access to buyer-friendly mortgage products with great rates and a hassle-free home buying experience. 

Apply For A Fargo, ND Home Loan

Are you ready to buy your dream house in Fargo, ND? Obtaining the right home loan doesn’t have to be complicated. Talk to our experienced loan officers at Capital Home Mortgage to know what options are available to you. 

Whether you are a first-time homebuyer looking at a North Dakota FHA Home Loan, active duty or retired veteran needing a North Dakota VA Home Loan, or a seasoned buyer with a North Dakota Conventional Home Loan, we are here to help.

Call us now at (701) 347-2822 to get started with a quick, no-obligation mortgage quotation. Thank you again for your interest in our services and we look forward to providing you next home loan.

Why Fargo is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fargo Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fargo Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Fargo Mortgage Rates

Capital Home Mortgage Fargo is dedicated to offering great Fargo Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Fargo Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Brad Rund

Director Native Lending
NMLS 1702894

Matt Williams

Loan Officer
NMLS 1945867

Fargo Mortgage Programs

Fargo Home Purchase

Buying a Fargo Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Fargo Renovation Home Loans

Fargo Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Fargo FHA Home Loans

1st Time Fargo Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Fargo VA Home Loans

100% Loans for Fargo Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Fargo Conventional Home Loans

Flexibility for Fargo Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Fargo Jumbo Home Loans

Great Fargo Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Fargo USDA Home Loans

Fargo Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Fargo Native American Loans

Fargo Native American Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Fargo Manufactured Home Loans

Fargo Mobile Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Fargo Reverse Mortgages

Your Fargo Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Fargo Cash-Out Refinance

Fargo Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Fargo Mortgage Refinance

Fargo Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Fargo Mortgage Company Reviews

North Dakota Cities

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Bizmark Home Loans

Grand Folks Home Loans