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home mortgages

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 or 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); 3.5% down and flexible credit

Property Types

Katie and Cheryl specialize in first-time home buying but can help you with any of your mortgage needs:

  • Primary Residence
  • Second or Vacation Home
  • Investment Properties

Construction Loans

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


With over 25 years of experience and a vast knowledge of home loans, you can be assured that Katie Kapus-Jackson will provide a high level of personalized service. Contact Katie or Cheryl today to schedule an appointment to review your options.

Katie Kapus-Jackson
NMLS #491846
Cheryl Ploof

Please do not include any private information in your email such as account numbers, social security numbers, or pin numbers. Please call or stop in if you need to speak to a customer service representative.