Customize Your Purchase - Take the 'Not So Perfect House' and make it your 'Dream Home'

  • This program allows you to roll in costs of improvements, upgrades, and/or renovations to the home.
  • 30-year fixed financing with as little as 10% down and NO mortgage insurance required.
  • Our lending team is here to help you make your dream home a reality!  Apply Onlinecontact us at 218.829.5183, stop by one of our conveniently located branches or complete and submit our secure contact us form

Many people want to build the home of their dreams with their personal choices and specifications. Brainerd Savings & Loan is right in step with your loan needs.

We are proud to have several options available including a traditional six-month draw loan or a construction-to-permanent mortgage loan, which provides you with one closing from start of construction to move in day. Always ready to serve, we’d love to hear from you.

Give us a call and talk with our lending team today. Our team of experienced lenders can help you with your mortgage needs!

Why get a mortgage from us? Your choice of a mortgage lender makes a huge difference!  We are serious about providing you with customized service, competitive rates and fees, and the financing options that are right for you.  We are a local business owned by our members. Our first time home buyer programs can help remove some of the biggest obstacles to home ownership – like savings money for the down payment and previous credit problems.  We can make this possible through our first time homebuyers programs that may include 100% loans for people who may not have the cash for a down payment and expanded options for those with lower credit scores. We have a variety of loan programs to meet your needs.  You’ll receive friendly, personalized service every step of the way, from the initial application to closing.  We are proud to offer our E-Apply online loan application service available 24 hours a day, 7 days a week.  We offer the best mortgage tools available on the Internet – easy, convenient, online shopping for a wide range of loan programs along with current rates, pricing, and fees.  We guide borrower’s  through the process of choosing the exact loan for their needs.  Our superior application experience is what sets us apart from many other websites’ applications. Every member of our loan team has more than ten years of mortgage industry experience, but just one objective, finding the right loans for each and every borrower.

We take the security of our customers’  personal information very seriously, using the most elite and robust solutions in the industry.

The borrower will find fast, convenient, and efficient tools.  In as little as 20 minutes, borrowers can:

  • Submit a complete, error-free mortgage application 24/7 from anywhere with internet access
  • Receive rapid pre-approval
  • Check their loan status on their fully customized mortgage webpage
  • Obtain detailed pricing and fees

Conventional, Insured Conventional, FHA, RD and VA Loans Our secondary market loans are extremely competitive with down payments starting at $0.  We offer both fixed and adjustable rate programs.

In-house Mortgages Our in-house program expands qualification capability to those borrowers and/or properties that are not secondary market eligible.  Talk to our lenders if you have a unique situation. You found your dream home but it needs a little work – we have a program for that!

First Time Home Buyers We want to help you realize the dream of home ownership.  Buying a home is one of the most important purchases a family will make.  To us, nothing is more satisfying than seeing our customers happy in the home we helped finance.


Home Equity Line of Credit Access the equity in your home simply by writing a check.  Low monthly payments and a ten-year balloon make this an easy way to get cash in a hurry.

Home Improvement Loans Looking to remodel or improve your current residence?  Our home improvement loans are just the ticket.  Add a deck, screen porch, garage, re-carpet… you decide.  We have a variety of programs and terms that fit any budget.

Home Equity Loans Use the equity in your home to pay for college tuition, automobiles, or to refinance high-interest credit card debt – the choice is yours.  The interest may be tax deductible, be sure and talk to your tax advisor.