Choice Home Loans > Home Loans Team

Vikki Miller Johnson

VP Mortgage Loan Officer

NMLS #418639

Whether you’re a first-time homebuyer or a multiple property owner looking to refinance, I will work with you to create a tailor-made plan that meets your goals, guiding you through every step of the process.

My deep passion for both community and family, combined with my “get it done” attitude and undeniable attention to detail ensure a smooth process for you from start to finish: from pre-qualification to the application to closing and beyond.

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Vikki Johnson

801 Main Avenue, Suite 103
Moorhead, MN

C 218.329.1344
O 218.356.9684

Let’s Get Started

The key to every successful home buying experience is to tailor each one to the individual, which is why I believe in building healthy communication channels to ensure that a strong and comfortable relationship exists throughout the entire process. Regardless of where you are in the process, you can trust my passion and decades of experience to guide you as you navigate this journey. I’ll be with you every step of the way.

Apply with Vikki Today

Areas of Expertise

First Time Home Buyer

Your first home brings anticipation – and perhaps a few fears. From pre-approval through closing, I’ll be there with programs designed for you.

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Vacation Home

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


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).

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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.

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

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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.

Investment Property

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


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 $647,200.*

*$647,200 is the 2022 limit. This may change year to year.

More About Vikki


Vikki Johnson Bio Pictures


My name is Vikki Johnson. I’ve lived and worked in the Fargo-Moorhead market for over 30 years, helping decades of families along their journey through life.

When not working, I enjoy cooking, traveling, relaxing, and making memories with my family. I’m married to my husband, Bruce, an FM Realtor of 34 years, and have two grown children, Jorie, a Minneapolis-based actress, Jayce, a Montana-based UH-60 Blackhawk Medivac pilot for the US Army, and our three furry grandbabies, Midge, Daunte, and General Patton.

When not enjoying all that Fargo-Moorhead has to offer, you can find me at our cabin on Leech Lake, traveling around the country supporting our kids, or vacationing someplace warm and sunny with my toes in the sand.

My favorite core value at Choice Bank is Work hard. Do the right thing. Have a little fun! #PeopleFirst


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Institution ID #465995 Member FDIC • EEO/AA • Choice Home Loans is a division of Choice Financial Group.