Mortgage Policy in North Dakota

Learn about mortgage policy requirements, state regulations, and local lender options in North Dakota.

State Requirements

Proof of income (W-2s, tax returns)
Credit score 620+
Down payment (3-20%)
Debt-to-income ratio below 43%
Property appraisal

Regulations: ND state lending regulations require licensed lenders to follow federal Truth in Lending Act guidelines.

Cities in North Dakota Offering Mortgage Policy

Fargo Bismarck Grand Forks Minot West Fargo Williston Dickinson Mandan Jamestown Wahpeton Valley City Watford City Minot AFB Grafton Lincoln Horace Beulah New Town Grand Forks AFB Hazen Rugby Casselton Bottineau Carrington Lisbon Stanley Oakes Mayville Langdon Belcourt

Reviewed by the LoanPolicies Editorial Team

Our editorial team researches and fact-checks all content to ensure accuracy. We update guides regularly to reflect current regulations and market conditions.

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