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    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.

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    Conventional Loans

    rates as low as

    6.50% / 6.796% APR*

    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
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    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.

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    Speedy Decisions

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

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    LOCAL UNDERWRITING

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

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    A perfect fit for every lifestyle.

    How do you Levo at home?

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    Additional home loan types

    Mortgage Loans

    RATES AS LOW AS
    6.25% /6.796% APR*

    Home Equity Loans

    RATES AS LOW AS
    8.50%

    Construction Loans

    RATES AS LOW AS
    3.99% /7.604% APR*

    FHA Loans

    RATES AS LOW AS
    5.125% /6.404% APR*

    VA Loans

    RATES AS LOW AS
    5.25% /6.415% APR*

    ARM Loans

    RATES AS LOW AS
    6.875% /6.999% APR*

    Rural Development Loans

    RATES AS LOW AS
    6.00% /6.404% APR*

    Repeat Home Buyer Loans

    RATES AS LOW AS
    6.50% /6.796% APR*
     
    *APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score. Tiers 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 the loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR. All expenses not specified herein, including, without limitation, all federal, state, and local taxes, are the member’s sole responsibility. Equal Housing Lender. NMLS 441310

    Levo Credit Union: Today's Rates

    Explore rates below to find the right fit for your financial needs.

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    We're Ready When You Are

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    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.

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    Last Updated: Jul 17, 2024 6:09:32 PM
    Mortgage Type Rate APR*
    30 YEAR FIXED RATE 6.50% 6.680%
    20 YEAR FIXED RATE 6.875% 7.115%
    15 YEAR FIXED RATE 6.25% 6.543%
    10 YEAR FIXED RATE 6.25% 6.664%
    7/1 ARM 6.875% 6.999%
    10/1 ARM 6.875% 6.999%
    SOUTH DAKOTA HOUSING 30 YEAR FHA 5.625% 6.034%
    SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS 6.125% 6.547%
    FHA 30 YEAR FIXED RATE 5.75% 6.148%
    VA 30 YEAR FIXED RATE 5.75% 6.169%
    Last Updated: Jun 28, 2024 4:13:27 PM
    Mortgage Type Rate APR* Term (Months)
    RESIDENTIAL LOT LOANS 80% LTV TERM 15 YEARS 7.99% 8.168% 180
    CONSTRUCTION LOAN OPTION 1 3.99% 6.803% 9
    CONSTRUCTION LOAN OPTION 2 4.99% 8.21% 9

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    *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?

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    Equal Housing Lender

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    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