Skip to content
    Phone Icon 605-334-2471
    ATMs Branches Careers Education
    Online Banking|
    New User?
    Search 605-334-2471
      Quick Links
      ATMs Locations_Icon Branches Login_Icon Membership Accounts_Icon Calculators Rates_Icon Rates Careers
      Online Banking
      Triangles

      FHA Home Loans

      There is no feeling quite like the comfort and peace of mind that comes with owning your own home. Returning to your sanctuary after a long and challenging day at work is truly priceless.

      GET STARTED ︎

      RATES AS LOW AS

      5.00%/5.656% APR*

      30 Year Fixed

      Mortgage underwriting? Local. – Fees? Low as can be.

      FHA Home Loans

      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.

      A GOOD FIT IF...

      • You are unable to qualify for a conventional loan, or
      • You're working on improving your credit, or
      • You're looking to purchase a 2-4 unit property and it is your primary residence (a lower down payment allows for a higher debt-to-income ratio)
      GET STARTED ︎
      VIEW ALL HOME LOAN OPTIONS ▶︎
      MORTGAGE FIRST TIME_0623ID Connect 950x254

      *The $933 credit is based on the member’s First Time Homebuyer program eligibility. If a member qualifies, Levo will grant a .0025 credit of the loan amount up to $373,450. All federal, state, and local taxes and other closing costs are the member’s sole responsibility. Equal Housing Lender. NMLS 441310

      Home_Preapproval_Icon

      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.

      Home_Blue_Icon

      Speedy Decisions

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

      Home_Rates_Icon-1

      LOCAL UNDERWRITING

      Our local team features an underwriting pro who can make the qualification process smooth, simple and speedy.

      SDHousing_Logo

      Are you a recent graduate?

      The 'Grants for Grads' homeownership program provides five percent of the loan amount as a grant to be used for downpayment and/or closing cost assistance when recent graduates wish to purchase their first home in South Dakota. Recent graduates must have graduated within the last 60 months and be eligible for the First-Time Homebuyer program. Ask for details!

      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

      MEET JAMES ︎

      Tyana Viss

      Mortgage Loan Originator

      Branch: South Cliff
      Email: tyanav@levo.org
      NMLS #1441509
      Phone: 605-977-8336
      Fax: 605-334-1474

      MEET TYANA ︎

      Nicole Taubert

      Mortgage Loan Originator

      Branch: Downtown
      Email: nicolet@levo.org
      NMLS #1601641
      Phone: 605-977-8368
      Fax: 605-334-3981

      MEET NICOLE ︎

      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

      MEET DAVE ︎

      Already applied and want to login to your account?

      LOGIN ▶︎

      Current Home Loan Interest Rates

      Mediocre mortgages are a dime a dozen. That’s why Levo flips the script—we have local underwriting, speedy qualification decisions and minimal fees and interest rates. Let’s talk about what the Levo mortgage team can do for your home purchasing goals.

      GET STARTED ︎

      Last Updated: Aug 30, 2024 2:27:21 PM
      Mortgage Type Rate APR*
      30 YEAR FIXED RATE 6.125% 6.30%
      20 YEAR FIXED RATE 6.125% 6.358%
      15 YEAR FIXED RATE 5.625% 5.913%
      10 YEAR FIXED RATE 5.625% 6.034%
      7/1 ARM 6.875% 6.999%
      10/1 ARM 6.875% 6.999%
      SOUTH DAKOTA HOUSING 30 YEAR FHA 5.25% 5.650%
      SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS 5.75% 6.163%
      FHA 30 YEAR FIXED RATE 5.50% 5.892%
      VA 30 YEAR FIXED RATE 5.250% 5.656%

      GET STARTED ︎

      *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.

      Calculate Your Mortgage

      Ready to get started?

      GET STARTED ︎

      605-334-2471 ATMs Branches Careers News

      INSIDER SIGNUP! Be in the know of what great things are happening at Levo.

      Download Our Mobile App
      Apple App Store
      Google Play Store
      National Credit Union Association
      Equal Housing Lender

      Triangles

      Routing Number: 291479974

      NMLS: 441310

      If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-568-5711 for assistance. All products and services available on this website are available at all Levo Credit Union branch locations.

      © 2014-2024 Levo Credit Union