Home Mortgage Loans
Buying a home is one of the most important decisions in your life. And a home mortgage loan is a powerful tool towards meeting your long-term financial goals. But you don't have to do it on your own. Our experienced staff will assist you to pre-qualify and guide you through the application process.
We offer a wide variety of mortgage alternatives, and will work hard to meet your individual needs. Contact a lending specialist today and put the strength of Quoin Financial Bank to work for you!
- Buy your dream home or investment property
- Competitive fixed rates
- Wide variety of terms
- Pre-qualify for greater buying power
- Down payment based on loan program
- Local South Dakota decisions
- Personalized expert service you can trust
- Government Loan Programs
Veterans Administration (VA) loans help qualified veterans buy, build, repair, retain, or adapt a home for their own personal occupancy. The VA guarantees a portion of the loan, enabling us to provide more favorable terms and rates.
- For qualified veterans
- No down payment
- Seller may pay all closings costs
- Simplified refinance options
- Generous credit guidelines
- Flexible income guidelines
We also offer a variety of USDA Rural Development loans, each designed for a specific purpose. Rural areas can benefit from these federal programs, designed to stimulate growth in our economy. Come see us and ask for more information.
- Special federal USDA loans for qualified borrowers
- Low, competitive rates
- No down payment
- Flexible credit guidelines
- Can help save money on lending costs
- Creates easier access to qualify for loan
- Must be in designated rural area
- Local service from Quoin Financial Bank
- Income restrictions apply