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      VA Home Loans

      Our dedicated team is honored to guide you through the journey of discovering your dream house, where cherished memories will be made and lifelong connections will be formed.

      GET STARTED ︎

      RATES AS LOW AS

      5.875% | 6.297% APR*

      30 Year Fixed

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

      VA Home Loans

      You served—let us serve you. Veterans and military families can take advantage of mortgages with low monthly payments and no down payment required. A minimal to no down payment is required and is meant for active military or veterans and families. No monthly mortgage insurance is required.

      A GOOD FIT IF...

      • You're in the military or a veteran and have limited funds for a down payment
      • You're in the military or a veteran who served on active duty or in the National Guard for a minimum of 6 years
      • You're in the military or a veteran and are looking to finance up to 100% of your home's purchase price
      GET STARTED ︎
      VIEW ALL HOME LOAN OPTIONS ▶︎

      LOOKING TO REFINANCE?

      Every chapter brings new priorities. Whether you're currently serving or have completed your mission, refinancing your loan could help make everyday life a little easier and give you more flexibility for what's ahead. Refinancing may include:

      • No appraisal needed on eligible refinance loans
      • No debt-to-income restrictions on eligible refinance loans
      • No mortgage insurance required on eligible loans
      • Competitive interest rates
      • Lower closing costs
      • Minimal paperwork
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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.

      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?

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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.

      GET STARTED ︎

      Mortgage Type Rate APR*
      30 YEAR FIXED RATE 6.50% 6.680%
      20 YEAR FIXED RATE 6.625% 6.863%
      15 YEAR FIXED RATE 6.125% 6.417%
      10 YEAR FIXED RATE 6.125% 6.538%
      7/1 ARM 6.875% 6.999%
      10/1 ARM 6.875% 6.999%
      SOUTH DAKOTA HOUSING 30 YEAR FHA 5.50% 5.906%
      SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS 5.750% 6.163%
      FHA 30 YEAR FIXED RATE 5.875% 6.276%
      VA 30 YEAR FIXED RATE 5.875% 6.297%

      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 ︎

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      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.

      © 2014-2026 Levo Credit Union®

      National Credit Union Association
      Equal Housing Lender

      Routing Number: 291479974 | NMLS: 441310