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Open the Door to Your New Home

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Need a home? Get to know the gnome. We keep it local and we keep it simple. Let's get started.
We have the local experience you can trust.

   

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Build Your Perfect Home

Sometimes the perfect home for you is one that doesn't even exist yet - that's where construction lending comes in. Read up on our advice for financing a home loan.

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Make a Payment 

There's no longer a need to visit your local branch. Simplify life by making safe, secure payments from the comfort of your home. 

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MPF

MPF Mortgage Rate Relief 

We are excited to be able offer eligible households a more affordable path to home ownership. The MPF Mortgage Rate Relief Program is able to give buyers a permanently reduce rate lower than the current market rate on a 30-year fixed rate mortgage. 

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Calculate Your New Home Loan

Take the first step towards calling a house your home.

 

Custom Fit Home loan options

We don’t believe in a ‘one size fits all’ approach to home lending. At Dakotaland Federal Credit Union we provide options which give us the ability to custom fit your mortgage to your life. Don’t settle for less, when we can offer more.

A mortgage that comes with a fixed rate interest rate that will not change for the life of the loan. May feature lower interest rates than other loans.

A mortgage that is underwritten solely by the credit union and generally features less fees and more flexible requirements than a Standard Fixed Rate Conventional Loan.

This program provides low, fixed rate mortgage loans for home buyers purchasing their first home. Income qualifications apply and servicing of these loans must be transferred to Idaho Housing Authority.

A type of loan used to buy a vacant lot or land to eventually build a home on.

A loan to finance the purchase or refinance of a titled manufactured/mobile home.

Rewriting and changing the terms (interest rate/payment/term/loan amount) of your existing mortgage.

This program is used in combination with other loan programs to allow home buyers to financed 100% of the purchase price. Borrowers are subject to certain qualifications.

The Federal Housing Administration guarantees the repayment of the loan to the lender in the event the buyer cannot pay it back. VA will guarantee it for veterans and active military. Servicing is transferred.

Loans for properties that will not be owner occupied.

A loan taken out in order to update, remodel or improve your home.

A loan similar to a credit card that uses the equity in the members' home as collateral, giving them access to cash to improve their homes, consolidate debt or other needs that arise. This loan comes in two options of a fixed rate of interest with a short term or an adjustable rate over a longer term.

A temporary, 12 month loan used to 'bridge' the gap between buying a new home, while selling a current home. This loan allows the member to utilize the equity in a current home until it is sold.

The Dakotaland Real Estate Lending Team also has additional programs and grants available to fit your specialized needs. Keep in mind, from application to final payment, Dakotaland is committed to ensuring you have the best member experience.

Buying a House - Education



Mortgage minute

Huron Board of Realtors Affiliate of the Year Award

Huron Board of Realtors Affiliate of the Year Award

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Conventional Lending for Unconventional Housing

Conventional Lending for Unconventional Housing

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A Heart Knows Where Home Is

A Heart Knows Where Home Is

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Construction Corner

How to Build Within Budget

How to Build Within Budget

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5 Reasons Why Our Automation Simplifies Even the Most Complicated Construction Projects

5 Reasons Why Our Automation Simplifies Even the Most Complicated Construction Projects

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Home Improvement Projects that Pay You Back

Home Improvement Projects that Pay You Back

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meet our team

Let our local staff help you make a house your home

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Crystal Hofer
Mortgage Loan Officer

605-412-2890
Huron Main Branch
NMLS# 1864180

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danielle engels
Mortgage Loan Officer

605-412-2417
Brookings Branch
NMLS# 1619449

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jennifer isaacson
Mortgage Loan Officer

605-412-2416
Huron Main Branch
NMLS# 2590133

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Lane Kessler
Mortgage Loan Officer

605-453-2590
Mitchell Branch
NMLS# 2369409

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Mackenzie burgin
Mortgage Loan Officer

605-412–2246
Brookings Main Branch
NMLS# 2678293

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Melinda Riley
Mortgage Loan Officer

605-412-2889
Aberdeen Branch
NMLS# 485330

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serena boerger
Mortgage Loan Officer

605-412-2258
Watertown Branch
NMLS# 2276689

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tom myers
Mortgage Loan Officer

605-412-8382
Huron Main Branch
NMLS# 1613007

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