Whether you're buying a home, consolidating debt, or funding a major purchase, FargosCapital offers competitive rates and a streamlined application experience.
Home Loans
From first-time buyers to seasoned investors, we have a home loan that fits your situation.
Predictable monthly payments locked in for 30 years. The most stable home loan option.
Build equity faster with a shorter term and a lower interest rate than 30-year options.
Start with a low fixed rate for 5 years, ideal if you plan to sell or refinance before the rate adjusts.
Personal Loans
Fast approvals, competitive rates, and no collateral required for qualified borrowers.
Unsecured personal loans from $1,000 to $50,000 for any purpose — debt consolidation, home improvement, medical, and more.
Tap into your home's equity for large expenses with a flexible revolving line of credit.
Refinance federal or private student loans to a lower rate and simplify your payments.
Payment Calculator
Use our calculator to estimate your monthly payment based on loan amount, rate, and term.
Results are estimates based on the inputs provided. Actual rates may vary based on creditworthiness.
This calculator provides estimates for informational purposes only and does not constitute a loan offer or commitment. Actual rates and payments depend on creditworthiness, term, and applicable fees. (Demo — not a real loan offer.)
How to Apply
Our streamlined process gets you to the finish line faster — most mortgage applications close in 21 days or less.
Complete our secure digital application anytime. No paper forms, no branch visit required.
Receive a pre-approval decision within 24 hours so you can shop or plan with confidence.
Upload income verification, tax returns, and bank statements securely through your online portal.
Our team reviews your file and orders an independent appraisal (for home loans). Typical turnaround: 7–10 business days.
Sign your closing documents electronically or in person. Funds are typically disbursed within 3 business days.
Tell us about your loan and we'll send a personalized rate quote within 1 business day.