BHFCU Mortgage Solutions

Save time and money when you finance your next home with Black Hills Federal Credit Union. Our team of mortgage experts are ready to help you find the best mortgage for your home ownership goals. We work hard to ensure you have the buying power to purchase the perfect home for you and your family.

Whether you’re looking to purchase or refinance, we have adjustable and fixed rate options with terms from 5 to 30 years. Our low down payment of 3% on conventional mortgages, with the option of no monthly mortgage insurance, is a great resource for those on a set budget. Additionally, we’re proud to provide local decisions and personalized service. Our mortgage experts work hard to take the stress out of home buying by underwriting, processing, originating, and servicing your mortgage right here. 

For qualified members, BHFCU gives you the ability to finance the entire purchase price of your home with no down payment. Our 100% financing solution is a great option for experienced homebuyers who do not qualify for other $0 down programs. Talk with one of our mortgage experts to see if you qualify. 

Have you ever looked at a house and said, “It would be perfect if it only had ____”? Our renovation loans can help fill in the blank before you move in. Finish a basement, add a garage, or remodel the kitchen before you even start packing your dishes. We can finance up to 95% of the appraised value of the completed remodel. Our renovation loans are a convenient and affordable way to transform the house you found into the home you’ve always wanted.

Still having trouble finding the perfect home for your family? Consider starting from scratch and designing a home to last a lifetime. Our new construction loan program makes it easy to buy land and finance construction costs in one long-term, fixed-rate mortgage with one closing. Our unique 5% down option gives you the buying power to finance your custom dream home project. 

Learn more about the home buying process and how to navigate many of the pitfalls that can put a strain on your time, energy, and bank account.