Helping you feel at home from the very beginning.
Whether you're buying your first home, upgrading to fit your family's needs, or refinancing your current mortgage, Northwoods CU is here to guide you every step of the way.
Find the right home loan for your needs
No matter where you are in your homeownership journey, Northwoods Credit Union is here to help. From first-time homebuyers to experienced homeowners, we offer mortgage solutions with flexible terms and personalized guidance. Get pre-approved before you start your search and move forward knowing what may fit within your budget.*
*Pre-approval is subject to credit review, income verification, and other lending requirements. Not all applicants will qualify.
Purchase
Find the right mortgage to buy your next home with confidence. (Can you add link / CTA here?)
Bare Land Loans
Finance the land you want today and build when the time is right.
Recreational Land Loans
Purchase land for hunting, camping, cabins, or future outdoor adventures.
| Fixed-rate loan
(Up To $647,200) |
Purchase rate
(as low as) |
Purchase APR* | Loan amount | Monthly payment
(principal and Interest) |
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30 year |
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10 year |
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Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
| Fixed-rate loan
(Up To $647,200) |
Refinance rate
(as low as) |
Refinance APR* | Loan amount | Monthly payment
(principal and interest) |
|---|---|---|---|---|
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30 year |
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20 year |
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15 year |
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10 year |
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Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
What our customers say
Lindsey was an absolute pleasure to work with at Northwoods Mortgage! Super friendly, professional, and knowledgeable.. We felt incredibly lucky to have her walk us through this process so smoothly! Thank you Lindsey Jackson
We worked with Lindsey at the Moose Lake branch securing a HELOC. She was very informative and answered all our questions. Very good experience.
Northwoods has always been amazing to work with! Very friendly and efficient staff. They make loans/mortgages as easy and painless of a process as possible. Great customer service!
Buying your first home? We're here to help.
Buying your first home is a big milestone, and you don't have to navigate it alone. Our mortgage team is here to answer your questions, explain your options, and help you find a home loan that fits your goals and budget.
Make informed decisions with our resources
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1
Talk with us
Connect with our mortgage team to discuss your goals and financing options.
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2
Get pre-approved
We'll help you understand your budget and prepare for your home search.
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3
Welcome home
Complete the closing process and enjoy your new home with confidence.
Lindsey Jackson
NMLS# 2069313
Call: 218-878-3933
Text: 218-878-3933
Email: lindseyj@northwoodscu.org
Started as Mortgage Originator at NCU, November of 2020
Your next home starts here
From pre-approval to closing day, you can count on Northwoods CU for personalized service and support every step of the way.
Rates
| Fixed-rate loan
(Up To $647,200) |
Purchase rate
(as low as) |
Purchase APR* | Loan amount | Monthly payment
(principal and Interest) |
|---|---|---|---|---|
|
30 year |
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20 year |
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|
15 year |
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|
10 year |
|
|
|
|
Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
| Fixed-rate loan
(Up To $647,200) |
Refinance rate
(as low as) |
Refinance APR* | Loan amount | Monthly payment
(principal and interest) |
|---|---|---|---|---|
|
30 year |
|
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|
20 year |
|
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|
15 year |
|
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10 year |
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Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
Purchases
Conventional
Flexible mortgage financing for primary residences, vacation homes, and investment properties.
FHA Loans
Government-backed financing that can help make homeownership more accessible.
HomeReady® Mortgage Loans
A flexible mortgage option designed to help eligible borrowers achieve homeownership.
USDA Rural Development Loans
Mortgage financing for eligible rural properties throughout northern Minnesota.
Refinance
Should You Refinance Your Home?
Is now a good time to refinance your home?
Read our blog for expert tips and everything you need to know before making your next move.
Home Equity Loan vs. Cash-Out Refinance
In this short video, Anna Mize, Director of Mortgage Lending at NCU, breaks down the difference between a home equity loan and a cash-out refinance.
Home Equity
Home Equity Loans
Use the equity in your home to fund improvements, consolidate debt, or cover major expenses.
Home Equity Line of Credit
Access funds as needed through a revolving line of credit secured by your home's equity.
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