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Getting Ready to Own Your Home

Buying a home is a process. Start by making sure you are ready to buy and figure out what you can afford.

One reason people want to buy their own home is Equity. Equity generally equals the market value of a home minus what you owe on the home.

Another reason some people want to buy a home is to build wealth. Building wealth in a home is based on market value and your equity.
The market value of a home is not a guarantee to increase. It can increase, stay the same or decrease.
While Buying a home is an investment, for most people it is not an investment that will make them wealthy.

Our Online Pre-Qualification Form makes it easy, fast and secure to apply

For information on home lending programs, contact Meghan Wenker or Heather Rider at 701-774-4139. For a FREE “Money Guide to Home Buying” email or go to
American State Bank & Trust Co. NMLS# 407966