Conventional Mortgages

  • Choose between fixed and adjustable interest rates for various terms
  • Available for stick-built homes and manufactured/mobile homes
  • Low and no down payment options give you more buying power
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Buy a Home, Build a Life

This is a milestone moment, and we're here to celebrate with you. Whatever home you have in mind, we've got the mortgage to make your big move. Choose fixed or adjustable-rate for up to 30 years and, depending on your credit score, borrow up to $832,750.

You'll always work with our local team to help you find the right mortgage and give any guidance you need.

Black Hills Federal Credit Union provides mortgage solutions that help you buy or build the home of your dreams with the trusted, local support of our South Dakota and Montana lending teams. Find a local lender to begin your homeownership journey.

Meet Our Mortgage Loan Officers

Christy Cline
Mortgage Loan Officer
Johanna Del Soldato
Mortgage Loan Officer
Ryan Kaufman
Mortgage Loan Officer
Joe Prince
Mortgage Loan Officer
Aaron Renville
Mortgage Loan Officer
Amber Zandstra
Mortgage Loan Officer
Come Home to a Better Mortgage
Apply Now

Frequently Asked
Questions

View All FAQs

BHFCU offers fixed- and adjustable-rate mortgages with a variety of terms to fit different homebuying needs.

Yes. BHFCU offers low and no down payment options for qualifying borrowers. A mortgage lender can help you determine which options may fit your situation.

BHFCU underwrites, processes, originates, and services its portfolio mortgages in-house, giving you a local team throughout the life of your loan.

More to Explore

Resources to help you make smart money moves.
5 Reasons You Should Have a Mortgage Consultation
Learn how meeting with a mortgage lender benefits you and makes the loan process easier.
Learn more
Mortgage Calculator
Get an estimated breakdown of what a monthly mortgage payment looks like.
Try it now
Home Affordability Calculator
Estimate how much home you can comfortably afford in minutes.
Try it now
Free Credit Score Monitoring
Keep an eye on your credit score to make sure you can qualify for the best loan rate.
Learn more
Auto & Recreational Vehicle Loans
Financing That Goes the Distance

From daily drives to weekend adventures, our auto and recreational vehicle loans make it easy to get where you’re going.

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