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At 1st National Bank, our experienced team will help you materialize your new home dreams into concrete plans. Count on a local process for the quick answers you deserve. Our team is stationed right here in Otter Tail County, with a working knowledge of the real estate market.

We work hard to solidify competitive rates and terms that are budget-friendly, based on your unique situation. Whether you're a first-time homebuyer, financing a second home, or simply refinancing, count on personalized attention from 1st National Bank.

  • Competitively low rates for purchase, refinance, or construction
    • Fixed-rate mortgages up to 40 years
    • Adjustable-rate mortgages (ARMs)
  • Second home, lake home, and cabin financing available
  • Accommodating terms, custom-tailored to customer's situation
  • A wide range of financing options available:
    • USDA rural development loans
    • First-time homebuyer specials
    • Construction loans
    • Balloons
    • Land-only loans
    • Second mortgages
  • Low to no down payment options
  • Lenders with experience in the local real estate market
  • Insurance coverage options available
  • Helpful service, centered on your needs
  • Local decision-making and processing in Otter Tail County