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Mortgage Points And Credits Explained

What are Mortgage Points and Credits and How Can They Help You?

You’ve likely heard of mortgage points and credits, but do you know what they are? While mortgage rates might seem rigid, they are actually more flexible than you might think. Mortgage Points and Credits can help.

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Ways To Decrease Utility Bills

Four Easy Tips to Decrease Your Utility Bills

As the cost of living has increased in large part due to inflation and rising interest rates, budgets have been getting tighter as we all work to be able to pay the bills. If your utility bills are starting to get higher than normal, here are four ways you can easily decrease your monthly payment.

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Homeownership And Generational Wealth

How You Can Build Generational Wealth by Becoming a Homeowner

Could homeownership be your pathway to building generational wealth for your loved ones? Owning a home has long been linked to long-term stability and it has been one of the few life goals that are just as common today as it was 50 or even 100 years ago. 

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When To Refinance Your Mortgage

The Best and Worst Reasons to Refinance Your Mortgage

Refinancing a mortgage is something that many homeowners take advantage of for its numerous benefits. But depending on your current situation or goals for refinancing, it could actually move you backward financially.

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Preapproval Vs Prequalification

Pre-Approval or Pre-Qualification? Here is How to Tell the Difference

When you’re searching for a new home, there are a lot of terms that you’ll need to learn, but pre-approval and pre-qualification are going to be some of the first. What exactly is the difference? And which one do you need as you start looking at potential homes?

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House Hacking

What is House Hacking and How Can it Benefit You?

House hacking is becoming a popular way for more people to get into the real estate game. It refers to buying a larger property and “hacking” it up into multiple rental properties giving you rental income and a place to live. It has also been a helpful solution to housing shortages. 

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Home Construction Loans

Two Things You Need to Know About Your Construction Loan

Congratulations! You’re building your new home! But there’s a lot to consider when it comes to financing both the construction and the property you’re building on. Here’s what you need to know about Construction Loans. 

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Mortgage Property Risk

4 Home Property Risks That Could Impact Your Mortgage Financing

When you’re applying for a mortgage, lenders not only look at the potential risks of the home buyer but also the risks of the property that you are purchasing. Issues with the property could mean that you’re missing out on the best rates for your mortgage.

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Moving In Checklist

7 Items to Consider Taking Care Of Before Moving Into Your New Home

Congratulations! You just signed your mortgage papers and the house is yours! But the work doesn’t stop here - it’s time to move in! Here is a quick list of important items to take care of as you are preparing to move into your new home.

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CabinProperty Northview Bank Vacation Property Financing

Buying Minnesota Cabin Property with Northview Bank

If you and your family are ready to buy a cabin or lake home in Minnesota or Wisconsin, you
probably already have an idea of what area you prefer. It could be a lake you grew up fishing or
an area you love to hunt. It could be that you’re not sure about anything beyond finding the
place for your family to connect as everyone gets older.

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Adjustable Mortgage Rates

Three Important Tips You Need to Know About Adjustable Mortgage Rates

Are you considering refinancing your home using adjustable mortgage rates? Before you do, here’s everything you need to know about how they work and what’s behind the lower interest rate that you’re seeing.

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July 2022

4 Refinancing Obstacles to Avoid to Help you Get Approved

Refinancing your mortgage has many benefits including reducing your interest rate or monthly payments or providing cash to pay off other debts or for a home improvement project. Not every application gets approved, so here are 4 ways you can avoid a rejected application.


Equity Boost

The 5 Best Equity Boosting DIY Home Improvements

Home Equity can be an essential fiscal tool to help you reach your financial goals. There are several reasonably simple home improvement projects you can do to boost your home’s equity quickly so that you can get the cash flow you need for other projects or in case you ever decide to sell. 

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20 Percent Down

The Pros and Cons of a 20% Down Payment on Your Next Home

You’ve probably heard that you need to have 20% down in order to purchase a home. While there are benefits to putting 20% of the home purchase price down, there are other options that might be right for you and will help you reach your home buying goals sooner.

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Northview Bank Vacation Property Financing

Buying a Cabin in a Crowded Market

Purchasing a cabin, cottage, bare land, or vacation property can be a challenge in any economic season, and when inventory is low and other buyers are motivated, it can be an even higher hill to climb. 

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6 Maintenance Tasks to Add to your Home Care Checklist this Spring

Keeping up with cleaning and maintenance on your home is vital to preventing costly repairs in the future and sustains the value of your home. Here are 6 items to add to your to-do list this spring to keep your home in great condition. 

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One Income

Buy a Home on One Income

It might seem out of reach, but you can still reach your goal of buying a home with one income. From first-time home buyer incentives to cash flow management to cosigners, we’ve put together some tips for you to find your dream home on one income. 

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Debt To Income

How is My Debt-to-Income Ratio Calculated?

If you’re applying for refinancing or a new mortgage you probably have heard the term “debt-to-income ratio”. But what does it mean and how do lenders calculate it?

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Bathroom Remodel

Easy Ways to Upgrade Your Bathroom on a Budget

Upgrading your bathroom with simple, affordable DIY projects can make a big difference in the look and feel of the space and increase the marketability of your home! These four simple update tips will bring big results.

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Tips to Help you Find the Right Contractor

Taking on a new home remodel can be exciting, yet daunting. Hiring the right contractor can bring peace of mind when it comes to budget and results. Here are some tips on how to hire the contractor that’s right for you. 

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Looking For a New Home? Here’s How to Find the Right Neighborhood

If you’re planning to purchase a vacation home or second home, finding the right neighborhood is just as important as finding the right property. Here’s how to assess whether a neighborhood is right for you.

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Every Age

Northview Bank - For Every Age and Every Season

At Northview Bank, we want to help people in every season of life make the most of their lives and have access to all of the financial tools and opportunities available to them.

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Top 5 Ways to Boost Your Homebuying Savings

Saving up for a home can be a long and difficult process. However, there are some things that you can do to make it a bit easier. Consider trying one of these 5 tips to help your savings grow a little more quickly. 

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Personal Loans from Northview Bank

At Northview Bank, we are in the business of making big purchases possible, of helping business-owners succeed, of keeping busy families connected, and of giving hard working people more opportunities.

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The Benefits of a Local Bank

At Northview Bank, we partner with our customers to give them access to everything that will make them as successful as possible with the services we provide. We offer all of the products and services of a big bank but with the benefits of a community-based, community-oriented bank.

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5 Crucial Things About the Housing Market You Should Know in 2021

When it comes to the housing market, there are many unknowns right now. Prices have been skyrocketing, leaving many people wondering if we’re headed towards a market crash. Here is what economists are saying.

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Extra Space Around Home

The Best Ways to Use Extra Space Around Your Home

Spare rooms can easily become places stacked with boxes, bins, and unused items that you have nowhere else to store. If you have extra space in your home and want to avoid filling it with clutter, try turning it into one of these 5 different room options.


Refinance Loan

5 Things You Need to Refinance Your Loan

Have you been considering refinancing your loan? It’s a good idea to get familiar with the process so you aren’t caught off guard by anything unexpected. Here are a few things you will need when you decide you want to refinance your loan.


Home Improvements

4 Simple Ways to Budget for Home Improvements

Are you wanting to make some updates to your home but worried about the financial impact it may have? Here are four easy ways that you can budget for a space transformation without worrying about breaking the bank.


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Don’t Fall for These Homebuying Myths  

Are you in the process of purchasing your first home? There are a number of misconceptions when it comes to homebuying, especially for those who have never navigated this world before. Be sure to steer clear of some of these common myths as you’re starting your search.


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5 Easy Projects to Spruce up Your Home

Want to update your space while staying within your budget? There are plenty of affordable ways to improve both the inside and outside of your home, and many of them don’t take much time! Check out these 5 projects that you can easily do yourself.


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5 Top Kitchen Trends That Are In For 2021

 Kitchens have always been a priority for homeowners, but they seemed to become even more of a focus throughout the COVID-19 pandemic, with 70% of homeowners considering it extremely important compared to 64% prior to the crisis. If you’re considering renovating your kitchen, here are some trends to consider.

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How to Buy Your Minnesota Cabin

Northview Bank is Making a Cabin Possible

For many, buying a cabin in Minnesota is a lifelong dream. It’s about more than a financial investment. It’s a place for family to gather for holidays and long summer weekends, a place for the guys’ fishing trip or the girls’ weekend, and a place to set up your deer stand and enjoy some serene November mornings.

However, buying a cabin can also seem out of reach for many people.

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Paying Off Your Mortgage Early?

Here's what you need to know.

There’s a lot to think about if you’re trying to decide whether or not to pay off your mortgage early. There are certainly many pros to paying off your mortgage, but there are also some cons.

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Buying Your Vacation Property - 4 Tips for Buying a Cabin

Northview Bank is helping people make family a priority. For many, a cabin or vacation property feels like an impossibility because of the financial hurdles involved. By connecting people with manageable financing solutions for vacation property, however, we’re able to help people move into the right fit.

Before someone settles on buying a cabin, there are some important questions to ask.

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Four good financial habits everyone will find helpful

Our habits often determine our success in life, and financial habits are no different. Breaking habits can be challenging but achievable, with some intention and accountability. Here are four good financial habits that will help you create a solid foundation for success in the future.

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Buying and Refinancing a Home or Cabin with Northview Bank

With mortgage rates remaining low — and with the economy at a slow pace of recovery — now could be the time to consider refinancing your home. It’s also a time of opportunity for sellers and buyers. Sellers in many areas can get top dollar for their homes. Buyers can take advantage of incredibly low interest rates. Northview Bank is your local Minnesota team of mortgage experts, helping you make the right decision on your home purchase, home refinancing, or cabin property purchase.

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Answers to Your Top Questions About Rate Locks

With mortgage rates at nearly all-time lows, many customers are inquiring about rate locks. Here are our answers to four top questions about rate locks.

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A Checklist to Find Your Dream Home

This super easy checklist will help you find your dream home

House hunting is fun and exciting, but it can also be overwhelming. That’s why we’ve created this handy checklist to help you keep track of the important features and details about each of the homes you visit in your house-hunting process.

Click here to read more and get the checklist.

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Don’t Fall for These Common Mortgage Myths

Buying a home is a big deal! It’s the American Dream for many, but it’s also a scary step for some, and a big commitment. In this post, we’re debunking some of the top mortgage myths so that you can make an informed decision about whether buying a home might be your next big step in life.



Don’t Believe These Common Credit Score Myths

The world of credit scores and credit reports can be a bit intimidating and confusing for many people. There’s a lot of information out there, and unfortunately, not all of it is true. In this article, you’ll learn four common credit score myths and what the truth actually is.

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4 Helpful Tips for Choosing a Realtor That’s Right for You

Buying a home is a big financial investment and is one of the most important decisions you will make in your life. So, when it comes to choosing a realtor to work with, it’s essential to choose a realtor who has your best interest in mind and can help you get the most out of your time and money.

Here are four tips for choosing a real estate agent that is right for you.


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How to Improve Your Chances of Getting a Mortgage if You’re Self-Employed

Being self-employed is a dream for many. It offers a fantastic lifestyle that is flexible; you get to be your own boss, and it provides a greater sense of freedom. It does have some challenges, though, and one of those is getting a mortgage loan. Here are five tips that can improve your chances of being approved for a home mortgage if you’re self-employed.

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Remodeling Projects that Get the Most Return for Your Money

Remodeling areas of your home can make it more comfortable and more enjoyable for you and your family. Home improvement projects can also get very pricey, however, so it’s wise to consider how much return you can expect to get out of the renovation before you take it on. Here are some of the top remodeling projects that will get you the best return on your investment.


MomandDaughter House

5 Reasons Why Owning a Home is Better than Renting

Owning a home is a milestone that offers a great sense of pride and accomplishment, and it’s a great feeling to have a place to call your own. It’s a huge commitment, though, so if you are still feeling conflicted and wondering if homeownership is worth it, here are 5 top reasons why owning a home is better than renting.

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10% Down on Cabin Financing

You've probably said it before: “Someday I'd like to buy my own cabin.”

Buying a cabin might feel like it’s a long way off. With most vacation property financing solutions requiring big down-payments, buying a lake lot, second home, hunting land, or cabin seems financially out of reach for most people.

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4 Critical Issues for Your Home Inspection

You’ve been to so many open houses that you’re starting to feel like a real estate expert. But it paid off! You finally found your dream home and made an offer. But the time for making big decisions isn’t over. One question you probably have is: Do I really need to pay to get an inspection? While an inspection is not always an absolute requirement, you should get one to rule out any major issues. 

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Local Mortgage Professional

3 Top Reasons to Work with a Local Mortgage Lender

When it comes to working with a lender on refinancing or buying a new home, you have many options. Those options range from large and online banks to smaller ones right in your community. Here are three good reasons why working with a local lender is your best option.

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Extra Protection For Your Home

What is Covered With Your Homeowners Insurance?

Homeowners insurance is a critical form of financial and personal property coverage since most of your assets and wealth are typically tied up in your home. Because of that, it’s vital to talk with your insurance agent on any special needs you think you might have. In the meantime, here are the basics of what homeowners insurance usually covers and what it doesn’t.

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Could Refinancing Save Money

The Four Questions You Need to Ask Before Refinancing Your Home

Amid a challenging economy due to the ongoing fallout of COVID-19, mortgage rates have fallen to historic lows and many people are taking this opportunity to refinance their home. Mortgage refinancing is close to a seven-year high, and demand has more than tripled over last year. If you are thinking about refinancing, here are four questions you need to ask before signing on the dotted line.

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Refinaincing Saves You Moneyc

Mortgage Lending from Northview Bank

At Northview Bank, we are here at every stage of life, from helping children set up their first savings accounts to helping business owners make a dream become reality. 

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Current Promotions

Fish Ruler & Info Packet

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Northview Bank wants to measure up your memories, and provide you with a complimentary fish ruler. Just click below and we’ll send you a fish ruler, and a vacation property packet.

Request a Ruler

Game License Holder & Info Packet

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Northview Bank wants to provide you with a complimentary game license holder for your hunting season. Please fill out the information below and we’ll send your game license holder and information packet.

Game License Holder & Packet

Big Buck Contest


Northview Bank wants to see your trophy deer and your hunt could make you a winner! Click below to see contest dates, terms and conditions.

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