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First National Bank Bemidji is a locally owned and managed bank. We have been building relationships  in our community for 115 years. The First National Bank Bemidji Hometown Mortgage Team has 88 years of collective experience ready to work with you to find a mortgage that is the right fit for you.

It's reassuring to have FNB Bemidji on your side when you have made that decision to buy or build your home. You can count on our team of experienced home mortgage specialists to help answer your questions in person or on the telephone. Our loans come with local service so you never have to dial an 800 number or enter your loan number on your touch tone telephone. We offer competitive rates; no prepayment penalties and we can keep your loan at First National Bank Bemidji until the day you pay it off. 

We're here for you. As always, please call 218-333-4320 with your mortgage questions.

 Click here for NMLS License Numbers for FNB Bemidji Lenders

Meet our Mortgage Specialists:


Deb Jensen

Retail Manager, Loans 




Tracy Appel

Retail Loan Officer 






Leisha Gregg

Retail Loan Officer






Joanne Daniels

Retail Loan Officer 




Sandy White

Retail Loan Officer 





The Application

If you are planning to apply for a mortgage, call us at 218-333-4320 to make an appointment with one of our loan specialists. We can mail you an application or you can start your mortgage application from this site by completing our online loan application. This will help you get started with your real estate loan.

In order to expedite the approval process, you should gather the following items for your first meeting with your lender:

  • Original, signed purchase agreement

  • Original W-2's for the past two years

  • Your pay stub for a pay period within the last 30 days, showing your name and current year-to-date earnings

  • A completed application

  • Statements from any banks, investment firms or financial institutions where you have funds or other assets

If you are self-employed:

  • Complete personal and business tax returns for the past two years

  • Signed year-to-date Profit & Loss Statement and K-1's if applicable

  • Current balance sheet

If requesting a Construction Loan:

  • Complete set of plans

  • Contract with builder

  • Complete description of materials and bids

  • Estimated cost sheet

The Approval

At this point, your application and all other relevant documents will be reviewed with your loan officer.  Some of the things we look for when analyzing your information include:

Income Evaluation - First National Bank Bemidji uses guidelines to evaluate your debt-to-income ratio.  Generally, your total housing payment should not exceed 28% of your gross monthly income, and your total monthly debt should not exceed 36%.

Credit Verification - First National Bank Bemidji will review credit reports and direct verifications to determine the type and terms of present and previous credit.  Any lapse or delays in payments will be considered.

Asset Evaluation - First National Bank Bemidji will verify your available funds to determine if you have the funds necessary for the down payment and applicable closing costs.  Cash reserves after down payment and closing cost will also be considered.

Property Appraisal - First National Bank Bemidji will have the property appraised to evaluate resale value, physical condition, location and zoning, among other considerations.

Other Documentation - In some cases, additional documentation may be required before a final determination regarding approval can be made.

Approval -  Although FNB Bemidji conforms to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.  Approval is generally based on two major factors; your ability and willingness to repay the loan and the value of the property.

The Choices

First National Bank Bemidji offers a variety of fixed and adjustable rate mortgages at competitive prices and a variety of mortgage loan options tailored to each customer's individual needs, which include:

  • Conventional, MHFA, RD

  • V.A. Mortgage Loan Programs

  • Adjustable Rate Mortgage Loans

  • Construction Loans/Permanent Financing

  • Home Improvement Loans

  • Home Equity Loans

First National Bank Bemidji will work with you when you are purchasing or selling your home.


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