
Welcome Home
There’s nothing like a place to rest your feet at the end of the day. That haven from the rigors of everyday life. You’re never more Levo than when you’re sitting down to dinner at home.
*Annual percentage rate. All expenses not specified herein, including, without limitation, all federal, state and local taxes, are member’s sole responsibility.
Equal Housing Lender. NMLS 441310

LOW FEES
Levo Credit Union keeps the fees associated with financing a home sensible and minimal. Our origination fee is just 0.75% of the loan amount.

Speedy Decisions
We don’t leave you hanging on our prequalification decisions—you know your approval status when you meet with your loan officer.

LOCAL UNDERWRITING
Our local team features an underwriting pro who can make the qualification process smooth, simple and speedy.
A perfect fit for every lifestyle.
How do you Levo at home?
LOAN OVERVIEW
Payments you can count on—our fixed-rate loans are offered in a variety of terms with a monthly payment that stays put for the life of the loan.
- Predictable monthly payments
- Lifetime lock-in of interest rate
- For purchase or refinance
A Good Fit If...
- I plan to own my home long-term
- I recently graduated from college
- I am active military or a veteran
- I am first time home buyer
LOAN OVERVIEW
Planning a short stay? Take advantage of low early rates if you have the wherewithal to pay off your loan early and often. It’s a decent option for a short-term residency.
- Low initial rates, payments
- Rate fluctuates with market
- For purchase or refinance
A Good Fit If...
- I plan to own my home short-term
LOAN OVERVIEW
You've put time and money into making your house a home, and those payments you've made have increased the equity. Now it's time to let your home give something back.
- Make improvements
- Fund travel expenses
- Consolidate debt
- Potentially deduct the interest on your taxes (consult your tax adviser)
A Good Fit If...
- You own a home and have built equity
LOAN OVERVIEW
Lack of down-payment funds or an imperfect credit score don’t need to keep you from buying a home. Get mortgage funding for low to moderate earners.
- Minimal down-payment required
- Competitively low interest rates
- Low credit score barrier to entry
A Good Fit If...
- I recently graduated from college
- I am active military or a veteran
- I live in a rural area and am low-income
LOAN OVERVIEW
You served—let us serve you. Veterans and military families can take advantage of mortgages with low monthly payments and no down payment required.
- Low monthly payments
- No down-payment required
- Meant for active military or veterans and families
A Good Fit If...
- I am active military or a veteran
LOAN OVERVIEW
Get your foot in the door—this assistance program offers manageable interest and down-payment help for low- to middle-income households, with the option to earn a Mortgage Credit Certificate (MCC).
- Down-payment assistance options
- Competitive interest rates
- Possible tax credits available
A Good Fit If..
- I have lived in a property I haven’t owned in the last 3 years
- If my income is:
- Family size of 2 or less under $96,000
- Family size of 3 or more under $110,400
- I am tired of paying high rent
- I need help with my down payment
LOAN OVERVIEW
Help isn’t just for the first-timers—this down-payment and mortgage assistance program provides reasonable financial options for those buying again who meet certain income standards.
- Down-payment assistance options
- Competitive interest rates
- Closing-cost assistance options
A Good Fit If...
- It's not my first time buying-but I could use financial assistance
LOAN OVERVIEW
If country living is more your speed, we can help fund your home purchase in rural South Dakota. Bonus? Affordable rates for low to moderate earners.
- Affordable rates for low to moderate earners
- Meant for rural areas of less than 35,000 people
A Good Fit If...
- I plan to own my home long-term
- I recently graduated from college
- I am active military or a veteran
- I am a first-time homebuyer
We're Ready When You Are
Meet The Team
James Nytroe
Mortgage Loan Originator
Branch: Arrowhead
Email: jamesn@levo.org
NMLS #489420
Phone: 605-977-8378
Fax: 605-334-1392
Tyana Viss
Mortgage Loan Originator
Branch: South Cliff
Email: tyanav@levo.org
NMLS #1441509
Phone: 605-977-8336
Fax: 605-334-1474
Nicole Taubert
Mortgage Loan Originator
Branch: Downtown
Email: nicolet@levo.org
NMLS #1601641
Phone: 605-977-8368
Fax: 605-334-3981
Dave Kowalczyk
Mortgage Loan Originator
Branch: South Louise
Email: davek@levo.org
NMLS #465946
Phone: 605-977-8324
Cell: 605-254-7976
Fax: 605-334-3981
Mortgage Type | Rate | APR* |
---|---|---|
30 YEAR FIXED RATE | 6.250% | 6.380% |
20 YEAR FIXED RATE | 6.125% | 6.296% |
15 YEAR FIXED RATE | 5.875% | 6.088% |
10 YEAR FIXED RATE | 5.875% | 6.177% |
7/1 ARM | 6.750% | 6.873% |
10/1 ARM | 7.00% | 7.125% |
SOUTH DAKOTA HOUSING 30 YEAR FHA | 5.875% | 6.142% |
SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS | 6.250% | 6.524% |
FHA 30 YEAR FIXED RATE | 6.375% | 6.666% |
VA 30 YEAR FIXED RATE | 6.375% | 6.810% |
Mortgage Type | Rate | APR* | Term (Months) |
---|---|---|---|
RESIDENTIAL LOT LOANS 80% LTV TERM 15 YEARS | 6.990% | 7.162% | 180 |
CONSTRUCTION LOAN OPTION 1 | 3.990% | 8.267% | 9 |
CONSTRUCTION LOAN OPTION 2 | 4.990% | 8.975% | 9 |
*APR – Annual Percentage Rate. Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 720+, 2= 680-719, 3= 679 or lower. The specific rate will be set at the time of loan application review. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR. First Mortgage and Construction Loans are subject to an origination fee of 0.75% or $1,000.