Mortgage - Welcome Home

We have been committed to the communities we serve for nearly 135 years. Our experienced mortgage bankers know the market and have the expertise to find a home loan tailored to your individual needs.

Buying a Home


Building a Home


Refinancing a Home


Types of Loans

Conventional Fixed-Rate Loans

  • Choose from a variety of terms
  • Consistent interest rate
  • Consistent monthly payment

Conventional Balloon Loans

  • Ideal for buyers who expect a significant income increase
  • Ideal for buyers who plan to resell after a short time
  • Consistent monthly payments + large lump sum payment at maturity

SD Housing Development Authority (SDHDA) First-Time Home Buyers Program

  • Below market fixed-rate loans
  • Provides cash assistance to home buyers purchasing a residence in South Dakota
  • Maximum income limits
  • Maximum purchase price limits