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Home ownership is the dream of most Americans. Whether you are a first-time home buyer, are looking to get a mortgage on a second home, or are in the process of upsizing or downsizing your home, First Independent Bank can help you get the home mortgage in the Twin Cities to meet your needs. 

What is the process for getting a home mortgage?

Before you even start to look at homes, we suggest getting a pre-approval letter. The pre-approval process will help you determine how much you can spend on a home (the size of the mortgage you qualify for). This is extremely important when you put in an offer on a home. An offer to purchase a home that has a pre-approval letter attached is a more valuable offer to the seller. Its how they can be reasonably sure that a buyer can complete the purchase. 

Because FIB is a family and employee-owned bank, you will be more closely connected to our qualified loan officers. Our loan officers will take the time to get to know you, understand your situation, and help you make the right decisions for your life.  

Get Pre-Approved for a Home Loan Today


The Benefits of Owning a Home

  1. Building Equity - This is probably the biggest benefit. Instead of renting and seeing no return on your dollars, you are able to own an appreciable asset.
  2. Making It Yours! The ability to change the space and make it yours. If you dont like a wall where it is, you break out a sledge hammer and Sawzall and you tear it out! 
  3. A Place That Lasts - A home is permanent place at which you can build memories with family and friends. Compare this to a rental: a place that can be sold out from under you when your lease expires.
  4. Choose Your Neighbors! Unlike an apartment building, you get to choose your neighbors when you buy.
  5. Pride of Ownership - There is nothing like the feeling of owning a home. 
  6. Bigger Opportunities - A home is an asset that can provide you leverage when you need it. 

The Best Choice for Your Twin Cities Home Loan

Minneapolis and St. Paul have a lot to offer homeowners. From fishing and boating to enjoying the many different venues available a person is never lacking for something to do. The Twin Cities have also maintained a stable and appreciating housing market over their history.

Minneapolis is Minnesota’s largest city Minneapolis and is also home to the stadiums of the Minnesota Timberwolves, Minnesota Twins, and the Minnesota Vikings. In essence, Minneapolis is the cultural and entertainment hub for the state of Minnesota.

St. Paul is Minnesota’s Capital City, is ethnically diverse, and is home to the Minnesota State Fair (known as the Great Minnesota Get Together), the Minnesota Wild, and the St. Paul Saints.

The Twin Cities remains one of the best places to live in the country. Contact First Independent Bank today about refinancing your Minneapolis or St. Paul home. 

Twin Cities, MN Schools

There are many outstanding public and private school options in the Twin Cities. The largest public school district in the area is the Minneapolis Public School District serving over 35,000 students with an average student to teacher ratio of 14:1. No matter what educational experience you’re looking for, you can find it in the Minneapolis and Saint Paul areas.

The Twin Cities are also home to several colleges and universities including the University of Minnesota one of the most prestigious public research universities in the nation. 

If you’re having trouble making your mortgage payments click this link.

Your Best Option For a Home Loan in the Twin Cities, MN

First Independent Bank is the best home loan provider for Marshall. Call today - 507-532-2426 - to start the mortgage application process and get pre-qualified.