Conventional Fixed-Rate Loans

Payments you can count on—our fixed-rate loans are offered in a variety of terms with a monthly payment that stays put for the life of the loan.

• Same payment amount every month
• Different terms available
• Purchase or refinance

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Conventional Adjustable-Rate Mortgage (ARM)

Planning a short stay? Take advantage of low early rates if you have the wherewithal to pay off your loan early and often. It’s a decent option for a short-term residency.

• Low initial rates and payments
• Initial, subsequent and lifetime rate caps apply
• No prepayment penalty required
• Purchase or refinance

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Construction/Lot Loans

Break ground on your ideal home—let us help you with your building project, start to finish.

• No down payment
• Extremely low rates
• Term up to 9 months
• Flexible Origination Fee options

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Home-Equity Loans

You've put time and money into making your house a home, and those payments you've made have increased the equity. Now it's time to let your home give something back.

• Make improvements
• Fund travel expenses
• Consolidate debt
• Potentially deduct the interest on your taxes (consult your tax adviser)

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FHA Loans

Lack of down-payment funds or an imperfect credit score don’t need to keep you from buying a home. Get mortgage funding for low to moderate earners.

• Low down payment
• Lower rates

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VA Loans

You served—let us serve you. Veterans and military families can take advantage of mortgages with low monthly payments and no down payment required.

• Available to veterans
• Up to 100% financing
• Lower rates

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First-Time Homebuyer Loans

Get your foot in the door—this assistance program offers manageable interest and down-payment help for low- to middle-income households, with the option to earn a Mortgage Credit Certificate (MCC).

• First time home buyer, meaning you have not owned a home in the last 3 years
• Low down payment
• Income limits apply
• The purchase price must be less than $250,200

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Repeat Homebuyer Loans

Help isn’t just for the first-timers—this down-payment and mortgage assistance program provides reasonable financial options for those buying again who meet certain income standards.

• Low fixed rate
• Down payment and closing cost assistance
• Reduced mortgage assistance
• Less paperwork

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Rural Development Loans

If country living is more your speed, we can help fund your home purchase in rural South Dakota. Bonus? Affordable rates for low to moderate earners.

• Available to those looking to purchase a home outside of metropolitan areas, specifically for rural areas and towns with a population less than 35,000
• Up to 100% financing
• Income limits apply

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