Banking for Individuals > Home Loans

Expert Advice. Local Service.

Through our versatile home loan options, we can help you capture the pride of a new home. Our team of experienced home lenders specializes in everything from First Time Home and Construction to VA, FHA and Home Equity Lines of Credit. From pre-qualification to your final payment – we’re here for you every step of the way.

Meet our Home Loan Team
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Apply For a Choice Home Loan

Whether you’re house hunting and just getting started, or ready to apply, you’ll get started here. Select the option that best applies to you:

Get Prequalified    Refinance    Construction

Manage My Home Loan

Use our secure online portal to make updates to your home loan, upload documents, communicate with your lender, and more.

Home Loans

It feels good to be home.

Especially after you navigate the winding road of open houses, offers, mortgages and moving. Through our versatile home loan options, we can help you capture the pride of a new home. Let’s find an option that fits you.

  • First Time Home Buyer

    Your first home brings anticipation – and perhaps a few fears. From pre-qualification through closing, we’re there with programs designed for you.

  • Conventional and Conforming

    Many buying or refinancing needs are met through conventional or conforming loans. The right option depends on your loan needs, your income and credit history, and your down payment. We’ll identify what’s best for your situation.

  • FHA

    If you need a lower down payment, or your credit history has a few flaws, an FHA loan may be right for you.

  • VA

    VA loans are an attractive option if you’ve served (or currently serve) in the U.S. military. Your loan is backed by the Department of Veterans Affairs (VA). Learn More ›

  • Construction

    Building a home brings so many decisions. With our construction loan programs, you can focus on floor plans, cabinets and paint colors – not your financing.

  • Home Equity Loans and Lines of Credit

    Put your home equity to work with a line of credit or loan. Buy a new car, consolidate debt or make home improvements.

  • Vacation Home

    Found the perfect summer lake cabin? Finance it through our vacation home options.

  • Investment Property

    If you’re ready for an investment property venture, we’re your financing partner. Together, we’ll set you up for success.

  • Jumbo

    High prices don’t need to get in the way of your path to your dream home. A Jumbo Home Loan from Choice Bank can meet your home buying or refinancing needs that exceed $766,550.*

Choice Home Loans is a division of Choice Financial Group. Certain restrictions may apply. Subject to credit approval. Institution ID #465995

*$726,200 is the 2023 limit. This may change year to year.

Home Loans Team


Vikki Johnson

NMLS #418639

VP, Mortgage Loan Officer

O (701) 356-9684

D (701) 356-9684

C (218) 329-1344

headshot colleen

Colleen Karst

NMLS #486231

SVP, Mortgage Loan Officer

O (651) 289-2222

D (651) 289-2221

C (651) 353-1832

Candace Keipe

NMLS #400860

VP, Mortgage Loan Officer

O 701-356-9700

D 701-281-7866

C 218-230-8308


Blair Sandy

NMLS #635025

Sr. Director of Residential Mortgage Lending

O (701) 356-9717

C (701) 426-5049


Dexter Werner

NMLS #1868054

AVP, Mortgage Loan Officer

O (701) 356-9700

D (701) 551-3287

C (701) 214-7096