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Home Loan Information

Let us offer our personal assistance in financing a new home or refinancing your present home. We offer a wide variety of mortgage alternatives and will work to meet your individual goals and needs. We will provide you with the highest quality service and best available interest rates. Our experienced staff will assist you in pre-qualification and work closely with you throughout the application process.


Prequalify Online

Are you interested in purchasing a home, but don't have the right one located yet? We suggest that you complete our Prequalification application to assist in determining purchase price, etc. It's free, easy and can be requested from the comfort of your home. Prequalify Now! (secure)

Home Mortgage Bankers

Our experienced Home Mortgage Bankers will "custom-tailor" financing to meet your individual goals and needs. We strive to provide you the highest quality service and will always keep you informed of the progress of your mortgage loan. Come experience the difference of a home loan from First Dakota. Click here to find our home mortgage bankers. Click here to read a First Dakota Mortgage testimonial. 

Years of Experience

  • Over 100 years of combined experience
  • Premier provider of home loans in Brule, Clay, Davison, Lincoln, Minnehaha and Yankton counties.
  • Premier provider of South Dakota Housing Loans assisting first-time homebuyers in the Chamberlain, Mitchell, Pierre, Sioux Falls, Vermillion and Yankton areas.

Awards and Recognition

  • Voted "Best Place to get a Home Loan" - 6 years in a row
  • Top 10 lender Award for USDA/Rural Development assisting moderate income families - 5 years in a row
  • Local processing of your application results in quick approval
  • Our Free online prequalification application will help determine the best loan program for you and allow you to be a “Preferred Buyer”

Wide Variety of Mortgage Programs

  • Conventional “in-house” and secondary market loans
  • South Dakota Housing Loans for first-time homebuyers
  • Construction Loans
  • FHA & VA Approved Lender
  • Rural Development Lender
  • Fixed and adjustable rate mortgages
  • Competitive rates & terms

Currently originating loans in the following South Dakota counties:

Aurora, Bon Homme, Brule, Buffalo, Charles Mix, Clay, Codington, Davison, Douglas, Gregory, Haakon, Hanson, Hughes, Hutchinson, Hyde, Jerauld, Lake, Lincoln, Lyman, McCook, Miner, Minnehaha, Moody, Potter, Sanborn, Stanley, Sully, Tripp, Turner, Union, Yankton.

Iowa counties:

Lyon, O'Brien, Osceola, Plymouth, Sioux

Minnesota counties:

Nobles, Pipestone, Rock

Nebraska counties:

Antelope, Cedar, Dixon, Holt, Knox, Adams

Mortgage Calculators

The constant annual percent necessary to amortize each $1,000 of principal on a monthly basis with factors for specific interest rates and mortgage terms can be determined with our online mortgage calculators.

Prequalify or Apply in Person

If you like a more personal touch, you can contact one of our Home Mortgage Bankers.

Home Loan Questions & Answers

You'll find the answers to many of your home loan questions when you check out our Frequently Asked Questions. If you don't find the answer you're looking for contact us.