Home Loans > VA Home Loans 

Without your service, we wouldn’t have a home. Let us help you find yours.

As your VA home loan partner, we’ll help you finance your home in the most transparent and financially responsible way possible.

VA Home Loan Team Get Prequalified for a VA Loan ›

image of scrapbook of veteran

About VA Home Loans

Available exclusively to active service members, veterans, and eligible surviving spouses, VA Home Loans serve you in ways no other type of home loan can.

Zero Down

Secure your home loan for 0% down payment.

No PMI Payments

Save hundreds by avoiding monthly Private Mortgage Insurance payments.

Low Interest Rates

VA loans typically feature lower rates than conventional financing.

“We’re a homeowner, thanks to Blair and Choice Bank. We’re a homeowner!”

Gerarld, Army National Guard
579th Combat Engineers, Alpha Company

Our VA Home Loan Team


Celeste Burke

NMLS #1511980

VP, Mortgage Loan Officer

O (701) 258-3300

D (701) 224-7046

C (701) 400-6541


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


Deb Kolling

NMLS #1027681

AVP, Mortgage Loan Officer

O (701) 746-6010

D (701) 738-4311

C (701)740-1195


Blair Sandy

NMLS #635025

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

VA Home Loans are guaranteed by the Department of Veterans Affairs. The property must be occupied by the veteran as their primary residence. Certain restrictions may apply. Subject to credit approval. Institution ID #465995. Choice Home Loans is a division of CFG.