Personal Loans

We have just the right loan for your need — get a competitive rate and terms that fit any budget.

Home Mortgage Loan

When it comes to making a huge financial decision like buying a home, you need an experienced lender in your corner. At Hermantown FCU, we keep the process of buying a home as stress-free as possible and work tirelessly to get you the home of your dreams. 

  • Competitive, low rates for home purchase and refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • FHA Loans
    • VA Loans
    • First Time Homebuyers 3% down conventional programs available
  • Helpful loan advisor with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local processing
  • Attentive, friendly service from start to finish
Learn More

View our Home Loan Tool Kit for a step-by-step guide to purchasing a home.

Meet the On-Site Realtor

Nick Christensen, the on-site realtor, is passionate about helping people find their perfect home and is well-versed in the local market. Born and raised in Duluth, and still a resident along with his wife and two little girls, he enjoys all that the Duluth area has to offer — including anything to do with the great outdoors, especially the local golf courses.

With over seven years experience in real estate, Nick knows all the ins and outs of buying and selling homes. He has extensive experience with short sales, foreclosures, investment purchases and knowledge of the local rental market.

Nick is a Realtor for CU Realty and is licensed in both Minnesota and Wisconsin. While CU Realty may not be a name you recongize, its parent company is a credit union service organization that has been helping local credit unions with their realty needs for years. They follow the same philosophy as our credit union — people helping people — and Nick is committed to helping our members with both buying and the selling of their real estate.

Nick is based out of the Duluth Branch on 2516 London Road, but he will also be traveling between all three of HFCU's offices (Hermantown, Duluth, and Superior) to better accommodate you.

To get your home search started, visit

Contact Nick:

Office phone: 218.740.2297
Cell phone: 218.591.9987

Home Mortgage Loan