Real Estate

The Right Fit, Every Time.

Buying your dream home...

First Mortgage Loans

  • Competitive rates available
  • Payment terms up to 180 months available
  • Ability to borrow up to 80% of the appraised value or 100% of the tax assessed value
  • Subject to lender approval and based on owner occupied properties, 1-4 unit properties, lender minimum credit scores, and meet lender underwriting guidelines

Home Improvement Loans

Ready. Set. Improve.
Whether your project is large or small, we can help you find the financing option right for you.

Home Equity Lines of Credit

  • Competitive fixed and variable rates
  • Flexible terms
  • Financing up to 80% of the appraised value or 100% of the tax assessed value
  • Interest may/may not be tax deductible (see tax advisor for details)

CU Mortgage Direct

To offer our membership even more mortgage options, we also partner with CU Mortgage Direct to offer secondary market lending. CU Mortgage Direct LLC (NMLS#198895) is committed to helping you find the right mortgage loan for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of getting a mortgage simple by offering you the latest in financial tools and experienced professionals that allow you to make sound mortgage choices.

  • Conventional - The most popular loan program offering fixed payments.
    • Term: 30, 20, 15, 10 year fixed rate options
    • No prepayment penalty
    • Maximum amount: $417,000
  • FHA Fixed Rate - HUD insured home mortgage program that offers low down payments as well as reduced monthly mortgage insurance payments.
    • Term: 30 years
    • Maximum amount: $417,000
  • VA Fixed Rate - Program available for eligible Veterans. This program allows for no down payment and no mortgage insurance. Certain guidelines apply.
    • Term: 30 years
    • Maximum amount: $417,000
  • Rural Development (RD)/USDA - Program allows the buyer of rural property the opportunity for zero down payment and no mortgage insurance. Income and property guidelines apply. This program can be used with the first time homebuyer program to get the lowers possible interest rate.
    • Term: 30 years
  • South Dakota Housing Development Authority (SDHDA) - South Dakota's first time home buyer program. This program can be used in conjunction with Conventional, FHA, VA, or RD/USDA program guidelines. This can be used for existing homes as well as new construction homes.
    • Term: 30 years
    • Maximum Amount: $204,432