Personal Mortgage

Home Equity Line


Have access to cash whenever you need it with a Home Equity Line of Credit. It's a revolving credit account that gives you cash when you need it over a long period of time, with a variable interest rate.

Home Equity Loan


Consolidating debt or buying a new car? With the dependability of a fixed interest rate and fixed payment each month, a Home Equity Loan is the best choice for you.

Home Mortgages


We take great pride in knowing our customers, it is because of this knowledge we can help you choose the mortgage that is right for you and your particular situation. Feel free to contact our mortgage lenders, they will make the process painless - they'll even help fill out the paperwork!

We have a complete line of mortgage services that include:

  • Competitive Rates
  • Fast Approval Process
  • Free Pre-Qualification
  • Conventional Mortgages
  • Jumbo Mortgages
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Interest Only Loans
  • Refinance
  • First-Time Homebuyers

Lot Loans


Are you looking for the perfect lot to build your dream home or a vacation home?  We can help you purchase that lot and start your dream.  For real estate lot loans contact a Personal Banker today!

See how much you can afford, or find out your monthly payment with our Home Mortgage CALCULATOR

All loans subject to qualified applicants. Lot loans, Construction Loans and Mortgage Loans are subject to origination fees and closing costs.

Call us at 651-227-7071, or Contact Us online for more information about Home Equity Loans.


Crediting Loan Payments

The account number or payment coupon provided must accompany all loan payments. Loan payments must be sent to BankCherokee, 607 South Smith Avenue, Saint Paul, Minnesota 55107.  You may also make loan payments by any of the following methods:

  • In person at any BankCherokee office, or
  • By calling the bank and communicating payment orders to us, or
  • By utilizing Cherokee Online, the bank’s online banking system.

Our business hours of operation for receiving loan payments are from 9:00a.m. – 5:00p.m. Monday-Friday, except bank holidays.  If a loan payment is received during non-business hours including Saturday mornings at one of our teller windows or Call Center, the payment will be credited the next business day or as otherwise permitted by law.


BankCherokee Mortgage Loan Originators Nationwide Mortgage Licensing System (NMLS) Info:

BankCherokee 458285
Jacqueline A. Arias 556314
Kathleen M. White 894509
Chastati L. Schaefer 894510
Patrick G. Morris 1237246
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