The best parts of home are priceless. We're here to help with the rest.

Home. It’s a place of belonging, where everyday moments can become the sweetest memories. At Security National Bank, we know that some parts of home are priceless — and for the rest, we’re here to help. Because at the end of the day, we understand that home matters:

Trusted in Sioux Falls and South Dakota

Buying a home is one of the most important decisions you’ll ever make, which is why our local mortgage lenders treat even the smallest details with thoughtful care and attention. Whether you’re buying, building or refinancing in the Sioux Falls area, our mortgage rates are always competitive and our service is second-to-none. Just what you’d expect from your friendly, hometown bank!

How to Get a Mortgage Loan

You can apply for a mortgage loan online, thanks to our new Mortgage Hub portal. Just answer a few quick questions and submit your application, so you can go house hunting with confidence — and a trusted, local pre-approval letter in your hand.

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Types of Home Loans

Our mortgage lenders are experts when it comes to finding the right loan for you:

Conventional Fixed Rate Home Loans

With a fixed rate home loan, your interest rate remains the same for the life of the loan. The payment is split into equal monthly payments for the duration of the mortgage.

To learn about our current fixed mortgage rates, contact our home loan experts:

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Conventional Adjustable Rate Mortgage

An Adjustable Rate Mortgage (ARM) loan generally offers a lower initial rate, fixed for a designated period of time (10 years, for example). After the designated time period is up, the interest rate may fluctuate throughout the remainder of the home loan.

To learn about our current adjustable mortgage loan rates, contact our lending experts:

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Jumbo Mortgage Loans

We provide fixed and adjustable rate jumbo mortgage options, if you plan on borrowing in excess of the conforming loan limit (set at $548,250 in 2021).

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State Housing Agency Loans

Whether you're a first-time or repeat buyer, special housing agency loan benefits may be available to you. If you qualify, we will work with you to find reduced mortgage insurance premiums, grant funds and subsidized interest rates.

To find out if you qualify, contact our home loan experts:

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VA Loan

What is a VA Mortgage? 

A VA home loan is a type of mortgage backed by the U.S. Department of Veterans Affairs. It allows for zero or low down payment and no private mortgage insurance (PMI), along with other benefits for veterans, current service members and surviving spouses.

For more information on our current rates and other VA home loan benefits, contact our lending experts:

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First-Time Home Buyer

Are you a first time home buyer? We have programs designed specifically to help people who are buying a house for the first time. They feature low down payments, grant funds exploration, tax credits and subsidized interest rates; not to mention our caring experts will be here every step of the way, helping you through the entire mortgage process.

For more information on first time home buyer rates, contact our lending professionals:

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Construction Loans

Building a home? Close once, not twice. 

When you build a home, most lenders make you take out two loans - one for construction, and another for the permanent loan. Not at Security National Bank!

Combine your lot, construction and permanent loan into a single, all-in-one mortgage. That means you only close once, saving you time and money.

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Bridge Loans

Moving from one home to another? A bridge loan allows you to purchase a new home using the equity in your current one, so you can complete the purchase before selling.

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Physician's Loans

If you're a physician, dentist or other medical professional, you have unique needs when buying or building a new home. We're here to help.

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Refinancing Your Mortgage

Lower your mortgage rate or monthly payment, pay off your home sooner or get a lump sum of money to use for something else. See if you qualify for mortgage & home loan refinancing »

Other Financing Options

Didn't find what you were looking for? Contact one of our mortgage lenders for more information and options on how we can meet your unique home loan request.