Build toward a better future

When you're breaking ground on a new home in South Dakota, our Construction Loans provide financing you need on terms that work with your timeline. This loan has short-term payment phase before it becomes your long-term mortgage. It's all one loan with one closing, which saves you thousands of dollars in closing costs and mortgage-related expenses.

The financing you need with your blueprint in hand

  • Interest-only payments during the construction period (up to six months)
  • Money is advanced incrementally during this time
  • Loan automatically converts to long-term conventional financing
  • Only pay closing costs once
  • Loans available to renovate (add a garage or finish a basement) before you move in
Mobile Banking

Mobile Banking

With Mobile Banking, you can manage your account anywhere with your smartphone or tablet.

Learn More

South Dakota Mortgage Representatives

Bobbi Welch
Bobbi Welch
Mortgage Loan Officer
605.858.6042
MLO# 835565
Eric Anderson
Eric Anderson
Mortgage Loan Originator
605.937.4512
MLO# 400265
Candice Menke
Candice Menke
Mortgage Loan Originator
605.937.4517
MLO# 102874
Stephanie Odden
Stephanie Odden
Mortgage Loan Originator
605.858.6471
MLO# 747397
Christy Cline
Christy Cline
Mortgage Loan Originator
605.858.6294
MLO# 472626
Amber Zandstra
Amber Zandstra
Mortgage Loan Originator
605.858.6178
MLO# 827991
Clayton Schwahn
Clayton Schwahn
Mortgage Loan Originator
605.858.6423
MLO# 1063036
Aaron Renville
Aaron Renville
Mortgage Loan Officer
605.858.6020
MLO# 1080128
Joe Prince
Joe Prince
Mortgage Loan Officer
605.858.6146
MLO# 963765
Contact Us

Construction Loan Rates

We understand building a home is among the most important investments you'll make. Our mortgage experts are experienced professionals who are prepared to help you through the process from choosing the right loan product to closing. View current Rates.

Protect your most valuable asset with a policy that directly addresses your needs.

Learn More

What's Happening?

Read the latest headlines here. View all News & Events