A User Friendly Home Loan,
With People Friendly Lenders.

Who do you turn to, when you’ve found the home of your dreams? Your friendly, hometown South Dakota bank!  Whether you’re looking to buy, build or refinance — Security National Bank of South Dakota's home mortgage loan rates are always competitive and our service is second-to-none. Just what you’d expect from helpful neighbors!

Apply for a Mortgage in Minutes.

We’ve optimized our mortgage loan application process to save you time and effort, with our new Mortgage Hub portal. Just answer a few quick questions and get pre-qualified, so you can spend more time buying (not applying).

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Find the Right Type of Home Loan For You:

Unlike a big-box lender, we make our decisions locally — which means we have the flexibility to offer customizable loans, tailored to fit your unique needs. Our home mortgage professionals are experts when it comes to helping find 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 loan.

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Conventional Adjustable Rate Loans

Generally a lower initial rate fixed for a designated period of time. Interest rate may fluctuate throughout the remainder of the loan term.

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Jumbo Mortgage Loans

Fixed and Adjustable Rate options for those borrowing in excess of the conforming loan limit of $424,100.

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FHA Loans

Loans insured by the government, offering lower down payment options and more lenient underwriting guidelines.

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VA Loans

Guaranteed loans for eligible veterans, active duty personnel and surviving spouses. VA offers competitive rates and low or no down payment options.

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First-Time Home Buyers

Programs specifically designed to assist those buying for the first time, offering low down payments, grant funds, tax credits and subsidized interest rates.

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Construction Loans

Finance the construction of your new home. Options include one single closing, covering both the construction phase and permanent financing. Save on closing costs and secure the interest rate before starting construction.

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Bridge Loans

Loans designed for those wanting to purchase a new home, by using equity in their current home to complete the purchase before selling.

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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.