Home Loans

Make Your Dream Home A Reality

Buying a new house means a lot of decisions. Starting with, where are you going to get the best mortgage? At Sentinel Federal Credit Union, we offer competitive rates, flexible terms, expert friendly advice, and without the long wait you get from one of those big city financials. Make your dream home a reality. We are a better way to bank. Contact our Mortgage Lending team today at 605-923-1405 or 888-923-1400.

Residential Lot Loans

Our Residential Lot Loans may be used to purchase or refinance a parcel of land located in the following South Dakota counties: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette. Contact our Mortgage Lending team today.

Construction Loans

Time to build your dream home? Contact our Mortgage Lending team about a short-term Construction Loan available for your primary residence or second home in the following South Dakota counties: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette.

Tired of making your landlord wealthy?

A home is not only a financial asset – it’s a plan for your future, an investment in your community, a safe place to live. Today’s low rates are good news for first-time homebuyers. In fact, in many areas, it is now more expensive to rent than it is to own. Getting a place of your own is much easier than you might think. Learn how to get started with help from our Mortgage Lending team.

Refinance Your Mortgage

Whether you want to save hundreds of dollars every month or save tens of thousands of dollars over time, or both, a mortgage refinance could be the answer. Contact our Mortgage Lending team today.

VA Streamline Refinance

Now is a great time to take advantage of lower interest rates and refinance your VA Loan. You can quickly refinance with a Streamline Refinance, also known as an Interest Rate Reduction Refinancing Loan (IRRRL).*

  • In some cases, no appraisal required
  • No income verification required to qualify
  • No out-of-pocket costs
  • Fast closing

Save hundreds every month by refinancing your VA Loan today! Contact our Mortgage Lending team and ask about a VA Streamline Refinance. *Must be a VA to VA refinance and the veteran cannot receive any cash back.