Mortgage Services

Purchase your first home. Refinance for a more attractive rate. Remodel or renovate. Plan your dream home.

You and your family have housing needs – whether it’s saving for that first house, upgrading to more space, building a vacation retreat, or even downsizing for retirement. But finding the right mortgage can become an overwhelming stream of programs, paperwork and unfamiliar terms. Our mortgage professionals focus on your home ownership dreams. We keep things simple – and local. You’ll benefit from our experienced staff, efficient service, competitive rates and low closing costs. To ask questions or check on your account, simply stop by, call or view your account online. We’re here to help.

Kirkwood Bank & Trust’s mortgage services
are here when it matters. We provide complete
solutions including:

  • Conventional loans
  • FHA
  • VA
  • First-time homebuyers programs
  • Rural housing
  • Second mortgages with 30-year financing

A Kirkwood Bank & Trust professional will listen to your needs and help select the right mortgage product for you and your family.


Ken Knodel
Mortgage Loan Officer
Phone: 701-355-5392

Steven Gerhardt
Mortgage Loan Officer
Phone: 701-355-5395

Dawn Kadrmas
Mortgage Officer
Phone: 701-483-1962

Doyle Berve
Mortgage Loan Officer
Phone: 701-838-2293