Mortgage in Williston, ND (2026)

Find the best mortgage rates in Williston, ND. A mortgage is the largest financial commitment most Williston residents will make; understanding your options is essential to long-term financial health.

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Williston Overview

Williston is a key market in North Dakota with a population of 27,368 and a median household income of $55,000. The median home price stands at $210,000, shaping the local borrowing landscape.

Rates & Terms

VA loans available to veterans in Williston often feature the lowest rates and require no down payment or private mortgage insurance.

Borrowers in Williston with credit scores above 760 and 20% down payments qualify for the best conventional mortgage rates.

Requirements in Williston

Conventional mortgages in Williston typically require a minimum credit score of 620, a debt-to-income ratio below 43%, and stable employment history.

FHA loans in ND accept credit scores as low as 580 with 3.5% down, or 500-579 with 10% down.

North Dakota Regulations

North Dakota regulates payday lending with strict fee and amount limits.

  • Usury Limit: 6% (non-licensed)
  • Payday Lending: Legal, max $500

Local Market Insights

Property taxes in ND should be factored into your total monthly housing budget alongside principal, interest, and insurance.

Williston has seen growing home values over the past year, making it a solid time to buy or refinance.

Borrowing Tips for Williston

  • Save for closing costs in addition to your down payment; expect 2-5% of the loan amount for closing expenses.
  • Get pre-approved, not just pre-qualified; a pre-approval letter strengthens your offer in competitive Williston markets.
  • Consider a 15-year mortgage if you can afford the higher payment; you will save massive interest over the loan life.

Frequently Asked Questions

Can I get a mortgage with student loan debt in Williston?

Yes, lenders factor your total debt-to-income ratio. Income-driven repayment plans on federal student loans can help keep your DTI within qualifying limits.

How much down payment do I need for a house in Williston?

Conventional loans require 3-20% down, FHA loans require 3.5%, and VA loans require 0% down. The median down payment in Williston is approximately 10-15% of the purchase price.

Should I choose a fixed or adjustable-rate mortgage?

Choose a fixed-rate mortgage if you plan to stay in the home long-term and want payment stability. An ARM may save money if you plan to sell or refinance within 5-7 years.

What is the current average mortgage rate in ND?

As of 2026, average 30-year fixed mortgage rates in ND range from 6.5% to 7.5%, while 15-year fixed rates range from 5.75% to 6.75%. Rates vary by lender and borrower profile.

Important Disclaimer

LoanMatchers is not a lender and does not make credit decisions. We connect consumers with licensed lending partners. All loan terms, rates, and fees are determined by the lender and are subject to credit approval. APRs range from 5.99% to 35.99%. Not all applicants will qualify for the lowest rates. This website provides general information and does not constitute financial, legal, or tax advice. Consult a qualified professional before making financial decisions. Rates and terms are accurate as of 2026 but subject to change without notice.