Helping you build the Bemidji area since 1910

Home Loan Types


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Purchase or Refinance today with the loan type that works best for you.


   Apply for a Home Loan Today!

Conventional Loan

  • Equity Requirement = 20% Down or 80% Loan to Value. Can be as little as 5% Down or 95% Loan to Value w/ Mortgage Insurance.
  • Available for 2nd Homes & 1-4 Family Investment Properties.

FHA, Federal Housing Authority Loan

  • Equity Requirement = 3.50% down or 96.5% Loan to Value.
  • Primary Residence Only.

Rural Development Loan

  • 0% Down.
  • Income Driven Loan based on Guaranteed Housing Program Income.
  • Primary Residence Only.

1st Time Home Buyer Loan

  • Income Driven Loan based on MN Housing Home Ownership Income Limits.
  • Available to 1st Time Home Buyer.
  • Primary Residence Only.

Home Equity Loan

  • Your home has great purchasing power and the interest may be tax deductible.

Mobile Banking and Mobile Deposit


Security BankUSA Mobile Banking is a fast, secure way to access your accounts from your mobile phone. Deposit your check using your smartphone. Anytime. Anywhere.

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