Bravera Bank

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Home Loans

Rooted in dedication. 

Whether you’re a first-time homebuyer, looking to refinance, interested in downsizing as you ease into retirement or are anywhere in between, we’re confident we can find the home loan that’s right for you. With local servicing and local underwriting, our experienced professionals can help you find the right loan to meet your needs.

We offer:

  • Conventional
  • VA
  • Federal Housing Administration (FHA)
  • USDA rural development
  • Jumbo
  • Construction loans
  • Bridge loans and vacant lot loans
  • Home loan program for physicians and medical professionals
 

Home Equity Lines of Credit

Tap into your home's equity to access funds for home improvements, debt consolidation or anything you happen to have your heart set on. Call 701-250-3632 to contact a home equity lender. 
 
We offer two financing options:
 

Home Equity Line of Credit

  • 10-year term
  • Fixed rate on a revolving line of credit starting at 6.25% APR1
  • Monthly interest-only payments 

1 Annual Percentage Rate (APR) for Home Equity Lines of Credit can range from 6% to 8.75% based on credit. Subject to credit approval. An appraisal at borrower's expense may be required. Loan closing fees apply. Offer available to new Home Equity Lines of Credit with a combined Loan-to-Value (LTV) ratio under 80%. Offer is available for new applications submitted after 3/26/26. Primary residence only. Property insurance is required. Paying only the minimum balance will result in a balloon payment at the end of the term. 

Home Equity Term Loans

  • 5-, 10- or 15-year term
  • Fixed rates starting at 6.00% APR2

2 Annual Percentage Rate (APR) for Home Equity Term Loans can range from 6% to 8.75% based on credit. Subject to credit approval. An appraisal at borrower's expense may be required. Loan closing fees apply. Offer available to new Home Equity Term Loans with a combined Loan-to-Value (LTV) ratio under 80%. Offer is available for new applications submitted after 3/26/26. Primary residence only. Property insurance is required.

A 5-year Home Equity Term Loan for $100,000 at 6.097% APR would result in monthly payments of $1,932.21. A 10-year Home Equity Term Loan for $100,000 at 6.053% APR would result in monthly payments of $1,113.22. A 15-year Home Equity Term Loan for $100,000 at 6.289% APR would result in monthly payments of $859.92. Payments do not include taxes or insurance, and actual obligations will be greater. See a lender for full details.

Mortgage Rate Relief Program

With Bravera, your path to homeownership just got more affordable. In partnership with FHLB, we're offering qualified buyers access to a Mortgage Rate Relief Program, featuring interest rates approximately 1.5% below the marketing rate. Take advantage of this opportunity as you forge your path to a brighter, more affordable future. 
 
To learn more about the program or find out if you qualify contact a mortgage banker today. 

 

Mortgage & Home Ownership Resources

The process of buying a house is riddled with decisions. Use these tools to help make the right ones to prevent financial setbacks.
 
 

How It Works

Because mortgage payments divide the cost of the mortgage into monthly chunks for the length of the loan, it can be hard to assess how much you'll end up paying in total for your home, and with interest, the amount you pay can be a lot more than you'd think. This calculator will help you see how much your home will actually cost you.

Enter the price of your home as the Home Price. Move the Down Payment slider to the down payment you paid or will pay for the home. Move the Loan Term slider to the length of your mortgage loan and the Interest Rate slider to the interest rate. If you'd like to adjust the amount you pay for home insurance, property tax, or change the PMI, select Advanced Options.


How it Works

Carefully selecting a mortgage that you know you can afford will help ensure that you can successfully pay for your new home. This Coach session will guide you through setting a goal monthly mortgage payment and finding how much house you can afford. It will also explain the main factors that affect mortgage costs. To begin the Coach session, select Get Started. Next, follow along, answer questions, and provide information when asked.

Banzai Coach Session • 7 minutes
What Mortgage Can I Afford?

  1. Discover your ideal monthly housing payment.
  2. Learn more about mortgage loans.
  3. Calculate what size of a mortgage you can afford.









Ready to get started?

Contact one of our mortgage experts by calling 877-483-6811 or by contacting us online. You can also get the home buying process started online.