Your Local Mortgage Lender
Located in Mandan, North Dakota
Personalized Mortgage Experience
Travis Lang offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Mandan, North Dakota.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Winter Home Buying Tip Most Buyers Overlook
Winter Home Buying Tip Most Buyers Overlook
Buying a home in winter can work in your favor. There is often less competition, motivated sellers, and more room to negotiate. But winter also comes with a unique risk that many buyers overlook.
Snow hides problems.
When snow covers the exterior of a home, it can conceal issues that would normally be easy to spot. That is why winter buyers need to be more intentional during showings and inspections.
Why Snow Is a Bigger Deal Than It Looks
Snow can mask warning signs that matter long term. Problems with drainage, roofing, or foundation grading are often invisible when the ground is covered. These are not cosmetic issues. They can lead to water damage, mold, and expensive repairs once temperatures rise.
According to Consumer Reports, water intrusion and drainage problems are among the most costly home repair issues homeowners face. Many of those problems first appear after snow melts and heavy spring rains begin.
Exterior Areas You Still Need to Review
Even if you cannot see everything clearly, these areas should always be addressed during a winter purchase.
Roofline and gutters
Ask about the roof age, recent repairs, and gutter condition. Ice dams and hidden roof damage can lead to leaks later.
Foundation and grading
You want water to flow away from the home, not toward it. Snow can hide negative grading that causes basement or crawl space moisture.
Drainage and downspouts
Downspouts should direct water several feet away from the foundation. If they are buried in snow, ask where they discharge.
Previous water issues
Ask directly if the home has ever had flooding, moisture intrusion, or drainage problems. These disclosures matter.
The U.S. Department of Housing and Urban Development emphasizes the importance of identifying water related risks early because they can affect both safety and long term property value.
Source: https://www.hud.gov
What to Do If You Cannot See It
If snow prevents a full exterior evaluation, do not ignore it. Instead, protect yourself with smart documentation.
Ask questions in writing.
Request seller disclosures that specifically address drainage, roof condition, and prior water issues.
Have your inspector note limited visibility due to snow in their report.
Consider negotiating follow up inspections once snow melts, if possible.
Realtor.com notes that winter buyers should rely more heavily on inspections and documentation since visual cues are often limited during colder months.
Source: https://www.realtor.com
Why Spring Reveals Everything
As snow melts, water tests every part of a home’s exterior. Poor grading, clogged gutters, and foundation cracks tend to show themselves fast.
That is why buyers who ask the right questions upfront are far less likely to be surprised after closing.
Buy Smart and Protect Yourself
Winter can be a great time to buy a home if you know what to watch for. Snow should never stop you from doing proper due diligence.
Ask questions. Document everything. Work with professionals who look beyond what is visible.
Buying smart now protects you later.
Sources
Consumer Reports
https://www.consumerreports.org
Realtor.com
https://www.realtor.com
U.S. Department of Housing and Urban Development
https://www.hud.gov
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