Buying a home is one of the most important decisions in your life. 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 at Quoin Financial Bank 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!

Interested? Give us a Call!

Miller Branch: (605) 853-2473

Highmore Branch: (605) 852-2251

Sioux Falls Branch: (605) 275-5000

  • 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

FHA Loans are a great fit in certain situations. They make it easy to buy property with a small down payment that can be gifted to the borrower. FHA guarantees the loan, enabling us to provide more favorable terms and rates than one might qualify for on a conventional loan.

  • Less challenging credit requirements
  • Smaller down payment
  • Can be gifted the down payment
  • Friendlier debt ratios
  • Sometimes assumable
  • Potentially better interest rate