USDA Home Loans

  • Available to low- and moderate-income families
  • Up to 100% financing
  • Home in specific rural areas qualify
Apply Now Contact a Loan Officer

Explore Your Home Loan Options Through the USDA's Rural Development Program

BHFCU provides this flexible loan option to lower the barrier to homeownership for qualified borrowers in specific rural areas. Funding comes from this federal program, but you're always working with local mortgage lenders available to help. And everything stays local because we underwrite, process, and originate all USDA Home Loans. Talk to any of our mortgage lenders to discuss your options and our mortgage rates.

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
Finance Your Next Home with a USDA Home Loan
Apply Now

Frequently Asked
Questions

View All FAQs

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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