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Looking for a Loan? Review our loan options
First Minnetonka City Bank offers a variety of home related loans whether you want to buy a new home or begin a home improvement project.
Fixed Rate Loan*
Whether you are buying your first home, second home, or building the home of your dreams, First Minnetonka City Bank has a loan program to fit your needs.
With a fixed rate loan, you’ll never need to worry about your interest rate changing and raising your mortgage payment. That helps you stay on budget. Whether you’re looking for an existing or new home, First Minnetonka City Bank has a wide range of mortgage financing options for you.
We can provide a no-obligation, no-cost consultation to help you determine the type of mortgage that is best for you. We’ll pre-approve you for your loan so you can move quickly when the perfect property becomes available.
We offer a range of mortgage terms up to 30 years to best suit your credit needs.
Contact our loan specialist Kurt Wilkowske (NMLS #552351) at (952) 465-0362 to learn more.
*Subject to credit approval
Building a new home may be one of the largest projects you undertake. First Minnetonka City Bank offers a smooth transition from construction to permanent home financing*, saving you both time and money.
Features
- Available for owner-occupied primary residences and qualified second homes
- Construction to permanent program available
- Lot loan financing also available
Contact our loan specialist Kurt Wilkowske (NMLS #552351) at (952) 465-0362 to learn more.
*Subject to credit approval
Refinancing your mortgage can lower your payments, help you consolidate debt, pay for an education and more. Let us help you find the right refinancing option* for you.
Benefits of Refinancing
- Reduce the total amount of interest you pay over the life of your loan
- Reduce the amount of your monthly payment
- Pay off your loan faster by reducing the term of your loan
- Use the equity in your home to get cash out
Contact our loan specialist Kurt Wilkowske (NMLS #552351) at (952) 465-0362 to learn more.
*Subject to credit approval
Your home is one of your most valuable assets. If you have lived in your home several years, paid a large down payment, or increased your home’s value, chances are you have lendable equity in your home. You can use the equity for home improvement projects, education, debt consolidation, and more!
Our mortgage experts help you choose the best option for your situation.
Home Equity Loan*
Review the benefits of a home equity loan.
- Get all your cash up front
- Enjoy a fixed interest rate for the life of the loan
- Fixed monthly payments
- Save money with a lower interest rate than most other loans and credit cards
- Enjoy tax benefits – possibly deduct up to 100% of the interest off your taxes**
Home Equity Line of Credit*
Get all the benefits of a home equity loan with the convenience and flexibility of a line of credit.
- Save money with a lower interest rate than most other loans and credit cards
- Enjoy tax benefits – possibly deduct up to 100% of the interest off your taxes**
- Draw from your home equity line of credit any time you need it
- Pay for home improvements, debt consolidation or any large purchases and repay on flexible terms
- Interest only payment monthly when borrowing
Contact our loan specialist Kurt Wilkowske (NMLS #552351) at (952) 465-0362 to learn more.
*Subject to credit approval
**Please consult your tax advisor regarding deductibility of interest.
Want to see how much your monthly mortgage payment would be? Use this calculator to determine your total monthly mortgage payment, and detail what portion of that is for taxes, insurance, and principal and interest.