
Welcome Home
There’s nothing quite as blissful as finding a sanctuary to soothe your weary feet at the close of each day. Whether you seek solace from the hustle and bustle of each work day or a need just moment of solitude amidst the chaos, your home can provide you with the comfort and security you need.
APR* AS LOW AS
15 Year Fixed
Mortgage underwriting? Local. – Fees? Low as can be.
Conventional fixed-rate loan
Payments you can count on – our fixed-rate loans are offered in a variety of terms. No mortgage insurance is needed if you have a 20% down payment or 20% equity in the home. As little as 5% down (3% if first-time homebuyer). For purchase or refinance.
A GOOD FIT IF...
- You plan to own your home long-term
- You recently graduated from college
- You are an active military or veteran
- You are a first-time home buyer
- You have a good credit score
- You have a good debt-to-income ratio
- You want to avoid upfront fees on government loans
Conventional Adjustable-Rate Loan
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 as rates fluctuate with the market. For purchase or refinance.
A GOOD FIT IF...
- You believe rates are going to drop soon and don't plan on staying in your home long-term

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?
Additional home loan types
Construction Loans
FHA Loans
VA Loans
Rural Development Loans
Repeat Home Buyer Loans
ARM Loans
Home Equity Loans
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
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Mortgage Type | Rate | APR* |
---|---|---|
30 YEAR FIXED RATE | 7.000% | 7.136% |
20 YEAR FIXED RATE | 6.750% | 6.925% |
15 YEAR FIXED RATE | 7.000% | 7.220% |
10 YEAR FIXED RATE | 7.000% | 7.309% |
7/1 ARM | 8.000% | 8.133% |
10/1 ARM | 8.500% | 8.637% |
SOUTH DAKOTA HOUSING 30 YEAR FHA | 6.125% | 6.397% |
SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS | 6.625% | 6.905% |
FHA 30 YEAR FIXED RATE | 6.625% | 6.921% |
VA 30 YEAR FIXED RATE | 6.625% | 7.067% |
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% | 6.276% | 9 |
CONSTRUCTION LOAN OPTION 2 | 4.990% | 7.522% | 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.