Today's Fixed Rate5.3%5.6% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

South Dakota Mortgage Rates

Home to the famous Mount Rushmore, Badlands National Park, and Crazy Horse Memorial, South Dakota is one of the most diverse Midwest states. It offers residents picturesque prairie and mountain views, a vibrant and unique culture, a strong local economy, and a growing number of career opportunities across the state. In addition, the average price of a home in South Dakota is significantly lower than the national average.

Common South Dakota Loan Types:

  • South Dakota conventional mortgages: South Dakota mortgage requirements and rates will fluctuate across the state depending on the area you live, or want to live, and your financial situation. Compare mortgage rates on to discover available rates for you.
  • South Dakota FHA loans: South Dakota home loans backed by the FHA are typically offered to first-time home buyers. The FHA doesn't directly offer the loan, but you can find one through an FHA-approved lender at today. These loans are typically for low to moderate income borrowers with lower credit scores.
  • South Dakota VA loans: VA loans are backed by the Department of Veterans Affairs, and this type of loan is only offered to eligible active-duty service members and veterans. You can find these loans through a VA-approved lender. Search for competitive rates with

South Dakota Mortgage Rates Compared to National Averages

Mortgage interest rates in South Dakota typically fall well below the national average, which can add up to tremendous savings when purchasing a home. With low population density, great geographical attractions, and low cost of living, South Dakota is an attractive option for homebuyers.