We have a variety of mortgage loan programs to meet your needs. You'll receive friendly, personalized service every step of the way, from the initial application to closing.

Conventional, Insured Conventional, FHA, and VA Loans

Our secondary market loans are extremely competitive with terms from 15 to 30 years. And we offer both fixed and adjustable rate programs.

Stay-At-Home Loans

It's one way we help re-invest in our community. Payments and servicing of your loan are done right here so we’re always available to answer your questions. It also means we have the flexibility to meet your special lending needs.  Perfect for people with acreage or owner/builders.

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.

Construction Loans

We save you money. At Brainerd Savings & Loan, your construction loan is your home mortgage so you save on costly closing fees by having one loan with one closing.