Home Mortgage Loans

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!

Summary
  • 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

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