Five Ways to Lower Your Mortgage Rate Before You Buy

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5 Ways to Lower Your Mortgage Rate:

  1. Boost Your Credit Score – Even a small bump in your score can unlock better rates. Pay bills on time, reduce credit card balances, and avoid opening new accounts right before applying.
  2. Increase Your Down Payment – More money down often means a smaller loan amount and better terms.
  3. Shop Around – Compare rates from local credit unions, banks, and mortgage brokers. Even a 0.25% difference can save thousands over time.
  4. Consider Loan Options – A shorter loan term or certain loan programs may come with lower rates.
  5. Lock Your Rate – Once you find a rate you love, lock it in to protect yourself from market changes.

If you’re thinking about buying in the Black Hills, I’d love to walk you through your options and help you get the best possible rate. The earlier we start planning, the more you can save. Contact Kaylee Hamling, Mortgage Loan Officer at Sentinel Federal Credit Union, today to get started!

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What Our Members Say About Us

Joshua K.

Member

“Been a loyal member for years! Keep your account positive and make your payments. If life happens keep them updated, as they have ways of working with you. I am glad they are a part of my financial family.”

Chris P

Member

“If you’re in the Rapid City area and you’re looking to drop the elbow off the top rope, Macho Man style, then look to Sentinel Federal Credit Union! Their customer service is off the hook and when you call you never get a robot or an automated answering machine! I don’t think I’ll trust another big bank with my money for as long as I live! By the way, I don’t even live in South Dakota!”

Joe M

Member

“We have several credit unions that got lost in the mix during a move–our bad. However, out of all of those credit unions, SFCU went OUT OF THEIR WAY to ensure we knew our account was dormant and helped us through the process of getting the account back on track. They also refunded every fee taken for dormant status. After losing more money than I’d like to admit from other institutions, I cannot tell you how much I appreciate the customer service of Sentinel FCU.”

Bret R

Member

“I have been using Sentinel for almost 30 years, and my family has been just as long! I purposely make the extra drive to the Radar Hill Branch with Nate working there! Not only has he always been on the ball of my personal account, but my business account! He has resolved issues with other banks in a timely manner when he didn’t have to! Every time I go on he always has a smiling face and is easy to work with.”