SFCU System Update January 19, 2026
January 13, 2026
Sentinel Federal Credit Union will be undergoing a system update on Monday, January 19, 2026. During this time,…
Explore Home Loan Options at Sentinel Federal Credit Union
At Sentinel Federal Credit Union, we’re dedicated to helping you find the right home loan to fit your needs. Whether you’re buying your first home, upgrading to your dream house, or looking to refinance, we have a variety of loan options and expert guidance to support you every step of the way.
We’re not just your financial institution — we’re your partner in achieving your homeownership goals. Contact Us to speak with a mortgage specialist and begin your journey to securing a home loan in the Black Hills.
Start Your Home Loan with Sentinel Credit Union
Ready to move forward? Getting started is simple! Download the home loan application below, complete it at your convenience, and submit it to our lending team for review. Our local experts are here to guide you every step of the way.
Book Initial Meeting or Have Questions?
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Have questions first?
Connect with our mortgage team for a personal meeting to ask questions and get more information.
Our friendly local mortgage team will be in touch with you as soon as possible. Please do not submit any personal information using this form.
Why Choose Sentinel FCU?
For first-time homebuyers or those considering refinancing, our mission is clear: deliver personalized service and competitive rates to transform your homeownership aspirations into reality.
Here are some key points about our home loans:
- Competitive Rates
- Flexible Loan Options
- Personalized Service
- Local Decision Making
- No Hidden Fees
- Easy To Apply
- Member-Owned
- NCUA Insured
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Sentinel Federal Credit Union will be undergoing a system update on Monday, January 19, 2026. During this time, there will…
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Latest Mortgage Tips
Your End-of-Year Homeowner Checklist
November 26, 2025I always tell homeowners that December is the perfect time for a quick check-in—not just on your home…
Construction Loans Explained: What to Know Before Building Your Home
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Home Loans Made Easy
01
Preparation
Gather your financial documents, including proof of income, tax returns, and employment information.
02
Application
Complete our easy online application or visit one of our branches to meet with a mortgage specialist.
03
Review and Approval
Our team will review your application and documentation promptly. You’ll receive updates throughout the process.
04
Closing
Once approved, finalize the details and schedule your loan closing. Congratulations, you’re on your way to owning your new home with Sentinel Federal Credit Union!
Get The Home Of Your Dreams
Buy A Home
Looking for your new home is an exciting time. You can picture yourself relaxing in your favorite spot or celebrating with your friends and family in your brand-new space.
We want to help you realize your dream of owning your own home in South Dakota, and, let you know that buying your home might be easier than you think.
- Competitive rates and flexible terms
- Mortgage prequalification available so you will know what you can afford to spend
- Knowledgeable, friendly advice from our mortgage team
Our knowledgeable Mortgage Loan team will help you get the best financing that will fit your budget so that you can make the move to your new home in no time.
Refinance A Home
Now is a great time to take advantage of lower interest rates and refinance your home loan. Refinancing can help you save hundreds of dollars every month or thousands of dollars over time.
Reasons to refinance:
- Lower your interest rate
- Reduce your monthly payment
- Shorten the term of your home loan
Our Mortgage Loan team will help you save by refinancing your current mortgage.
Build A Home
Did you find the perfect spot to build your home in South Dakota? We make it easy to finance the home of your dreams with a residential lot loan and a short-term construction loan.
Benefits of a residential lot loan:
- Use to purchase or refinance your parcel of land
- Available for your primary or secondary home
Benefits of a construction loan:
- Short-term loan
Home Loan FAQs
What types of home loans does Sentinel FCU offer?
Sentinel FCU offers a variety of home loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, jumbo loans, and refinancing options.
How do I apply for a home loan with Sentinel FCU?
You can apply for a home loan with Sentinel FCU online through our website, over the phone with one of our mortgage specialists, or in person at any of our branches. We make the application process convenient for you.
What are the current interest rates for home loans at Sentinel FCU?
Interest rates can vary based on the type of loan and market conditions. Contact one of our mortgage specialists today for the most up-to-date information on our competitive rates.
What is the minimum down payment required for a home loan?
Down payment requirements vary depending on the type of loan you choose. FHA loans, for example, typically have lower down payment options, while conventional loans may require a higher down payment. Our mortgage specialists can guide you through the options that best suit your financial situation.
How long does the home loan approval process take?
The approval process can vary based on several factors, including the complexity of your application and the responsiveness of required documentation. At Sentinel FCU, we strive to provide prompt decisions and keep you informed throughout the process.
Can I refinance my existing mortgage with Sentinel FCU?
Yes, Sentinel FCU offers refinancing options that may help you lower your monthly payments, reduce your loan term, or access equity for home improvements or debt consolidation. Contact us to discuss how refinancing can benefit you.