Buying a Home - North Dakota mortgages, down payment assistance and first time home buyer grants for buying North Dakota  real estate.

Research the available North Dakota mortgages and home loan programs for buying North Dakota real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying North Dakota real estate. 

• Government grants for buying a home

• Down payment assistance 

• Bad credit loans for buying a home

• mortgages and home loans

• Mortgage Calculator
  
  
• Search North Dakota Real Estate Listings

Government grants for buying a home

Here are some links for government grants for buying a home in North Dakota.

Eastern North Dakota

Wilken County Extension Service
421 Nebraska Avenue
Breckinridge, MN 56520
(218) 643-5481 
http://www.extension.umn.

The Village Family Service Center
715 N 11th Street Suite 4
Moorhead, MN 56560
(218) 291-1227
http://www.thevillagefamily.org/

Clay County Extension Service
919 8th Avenue North
Moorhead, MN 56560
(218) 299-5020 
http://www.extension.umn.edu

The Village Family Service Center
301 N 3rd Street, Suite 3A
Grand Forks, ND 58203
(701) 746-4584
http://www.thevillagefamily.org/

USDA Rural Development
575 10th St SW #4
Valley City, ND 58072-3906
(701) 845-5150 or (800) 688-2293 ext. 4
http://www.rurdev.usda.gov/nd/index.html

SE North Dakota Community Action Agency
PO Box 2683
Fargo, ND 58108
(701) 232-2452 or (800) 726-7960
http://www.sendcaa.org/

Red River Valley Community Action Agency
1013 N 5th Street
Grand Forks, ND 58203
(701) 746-5431 or (800) 450-1823
http://www.rrvca.com/

Turtle Mountain Housing Authority
PO Box 620
Belcourt, ND 58316
(701) 477-3153

Dakota Prairie Community Action Agency
PO Box 698
Devils Lake, ND 58601
(701) 662-6500 or (800) 321-5943

Western North Dakota

Community Action Opportunities
2020 8th Ave SE
Minot ND 58701-5035
(701) 839-7221 or (800) 726-8645
http://web.ndak.net/%7Ecao/

Community Action and Development Program
120 Washington Avenue
Williston, ND 58801
(701) 572-8191

Community Action Program Region VII
2105 Lee Avenue
Bismarck, ND 58504
(701) 258-2240 or (800) 223-0364
http://www.cap7.com/

Community Action and Development Program
202 E Villard
Dickinson, ND 58601
(701) 227-0131 or (800) 359-2243
http://www.dickinsoncap.org/

Fort Berthold Housing Authority
1804 Dakota Drive
New Town, ND 58763
(701) 627-4731

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in North Dakota.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in North Dakota or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

• bankruptcy in the last 2 years

• foreclosure in the last 3 years

• low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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mortgages and home loans

These website can assist your with obtaining mortgages for buying a home in North Dakota.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
   
2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
   
3. Each time you change a value hit "Calculate Now" to see what the effect is. 

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North Dakota Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  North Dakota real estate of homes for sale.

Complete the form below for direct access to the following types of North Dakota real estate listings:

• North Dakota Real Estate Listings and MLS
• North Dakota HUD Homes
• North Dakota For Sale By Owner Homes
• North Dakota New Homes for Sale
• North Dakota Foreclosure Homes for Sale

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