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  • Seesaw with a small house on one side and a hand setting a bag of mondy on the other side.

    Home Mortgages

Your Dream Home. Your Dream Home Financing.
Make Your Dreams Come True With Pine Country Bank.

Whether you are buying a new house or want to consider refinancing, we know how overwhelming finding a home mortgage can be. At Pine Country Bank, we simplify the entire process and take the time to get to know you and your home financing goals. As your hometown bank, we know our Minnesota communities well and will help find the appropriate program based on your specific situation.

Whether you are a developer or a consumer, our customers love our quick turnaround and benefit from our flexibility. We can explore both traditional and nontraditional means to meet your financing needs for all mortgages, large or small.

Purchase and Refinance

We have several home loan products available to you:

  • Conventional Loans – most common mortgage for qualified buyers
  • Rural Development Loans – $0 money down program
  • VA Loans – $0 money down program
  • FHA Loans – mortgage insured by the Federal Housing Administration (FHA)

Property Types

Our team can help you with any of your mortgage needs:

  • First-Time Home Buying
  • Primary Residence
  • Second or Vacation Home
  • Investment Properties

Construction Loans

We have loan products available to help finance your construction projects.

Meet Our Mortgage Lenders

With over 40+ years of experience and a vast knowledge of home loans, you can be assured that our team will advise you of all your options and provide you with the highest level of personalized service.

Katie Kapus-Jackson
Vice President
NMLS #491846
Little Falls Branch

Cheryl Ploof
Little Falls Branch