FHA Loans

  • Lower down payments
  • Flexible credit guidelines
  • Available for purchase and refinance
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Bring Home the American Dream with an FHA Loan

Coming up with a large down payment stops a lot of people's homeownership dreams in their tracks. Not with an FHA Loan from BHFCU. What makes these loans unique is the lower down payment requirement. While they're insured by the Federal Housing Administration, the BHFCU team will help you through the whole process. And you don't have to be a first-time homebuyer, or a buyer at all. FHA Loans are available to people who don't qualify for traditional mortgages, and they can be used for refinancing. 

Explore our mortgage rates and get in touch with our mortgage team so we can determine your eligibility and discuss your options.

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
FHA Loans Can Unlock Opportunity
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Frequently Asked
Questions

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

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.

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.
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Mortgage Calculator
Get an estimated breakdown of what a monthly mortgage payment looks like.
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Home Affordability Calculator
Estimate how much home you can comfortably afford in minutes.
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Free Credit Score Monitoring
Keep an eye on your credit score to make sure you can qualify for the best loan rate.
Learn more
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