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Home Savings of America

North Dakota Home and Loan

Your online source for North Dakota mortgage financing and refinancing

Call one of our North Dakota home loan mortgage brokers today and get the lowest rates in the state.

858-926-0108 or apply online

We are your North Dakota Mortgage Company. If you need a new North Dakota Home Mortgage or you need to refinance your North Dakota Home Loan, our licensed loan officers will help you with your needs. When you apply online or over the phone, we will help you find the best interest rates on a home loan or the best mortgage programs in North Dakota to suit your needs. We can also discuss how to best refinance your mortgage.

We are part of a lending network, participating with the wholesale divisions of 50+ lenders. This means you save money. In some cases, a lot of money! Not only do the lenders compete with each other, you have the opportunity to get financing at wholesale.

I know you'll find the services offered here helpful and the loan programs not only convenient, but very competitive. It is our goal to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your objectives and fits your lifestyle.

  • We can help you finance for your North Dakota home
  • We are nationally licensed and complaint with all state and federal laws
  • Refinance and reduce your monthly payments
  • Equity and HELOC loans are available
  • Home improvement loans
  • Bad Credit is not a problem, we can help

We have been lending and servicing loans for over 10 years, with financing from Zero Down, Interest Only, all the way to Home Improvement Loans. We offer major debt consolidation loans for refinancing your credit card debt, tax liens and student loans. With Loans for any type of credit curcumstance ( Sub-Prime fico's down to 500 to Alt-A Jumbo loans) we have them all. As a direct lender here, we know the areas and markets, our knowledgeable loan officers will be able to guide you through the entire process and even help with financial planning for you at your request.

As professionals in the mortgage lending industry, we've built our reputation on providing outstanding service to our clients. That means you can count on us to always look out for your best interests, and to keep you informed throughout every step of the lending process. Please do not hesitate to call if you have questions about the information you find here on our web site.

We have cut out the middle man and large corporate overhead to bring you the best possible rates and lowest fees. If you have any questions please call now .


The mortgage process may seem daunting at first due to the many different programs available, but it is our job to match you to the mortgage options that meet your needs. Give us a call and you see how easy a mortgage process is.

The right type of mortgage for you depends on many different factors:

  • Your current financial picture.
  • How you expect your finances to change over time.
  • How long you intend to keep your house.
  • How comfortable you are with your mortgage payment changing.

For example, a 15-year fixed-rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An ARM may get you started with a lower monthly payment than conforming fixed-rate, but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your plans and financial prospects, and your preferences with a mortgage professional.

 
 
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