FHA Mortgage Loans

YOUR AFFORDABLE PATH TO OWNERSHIP

An FHA Loan is the perfect choice if you want to make homeownership possible sooner, with flexible, credit requirement and low down payment options starting at just 3.5%.

Backed by the Federal Housing Administration (FHA), this loan opens the door to homeownership for the first-time buyers, those with limited savings, or borrowers rebuilding their credit. Enjoy competitive interest rates, no hidden fees, and peace of mind knowing your loan is insured for added security.

We will guide you through the initial process, offering local expertise, personalized service and support you can trust. Whether purchasing your first home or refinancing your current one, an FHA loan can help you achieve your goals sooner than you thought possible.

HELPING YOU OWN WITH CONFIDENCE

Our FHA Home Loans offer benefits that make homeownership more accessible for more people:

Down payments as low as 3.5%
Flexible credit and income requirements
Competitive fixed and adjustable rate options
FHA‑insured for added security and peace of mind
Gift funds accepted toward your down payment or closing costs
Seller contributions allowed toward closing costs (up to 6% of purchase price)
Available for purchase or refinance of your primary residence
Options for single‑family homes, certain condos, and multi‑unit properties
No early payoff penalties

Melinda Riley

Mortgage Loan Officer

605-412-2889
Aberdeen Branch
NMLS# 485330

Meet Melinda

Danielle Engels

Mortgage Loan Officer

605-412-2417
Brookings Branch
NMLS# 1619449

Meet Danielle

Mackenzie Hojer

Mortgage Loan Officer

605-412–2246
Brookings Main Branch
NMLS# 2678293

Meet Mackenzie

Crystal Hofer

Mortgage Loan Officer

605-412-2890
Huron Main Branch
NMLS# 1864180

Meet Crystal

Jennifer Isaacson

Mortgage Loan Officer

605-412-2416
Huron Main Branch
NMLS# 2590133

Meet Jennifer

Tom Myers

Mortgage Loan Officer

605-412-8382
Huron Main Branch
NMLS# 1613007

Meet Tom

Lane Kessler

Mortgage Loan Officer

605-453-2590
Mitchell Branch
NMLS# 2369409

Meet Lane

Serena Boerger

Mortgage Loan Officer

605-412-2258
Watertown Branch
NMLS# 2276689

Meet Serena