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      Welcome Home

      There’s nothing quite as blissful as finding a sanctuary to soothe your weary feet at the close of each day. Whether you seek solace from the hustle and bustle of each work day or a need just moment of solitude amidst the chaos, your home can provide you with the comfort and security you need.

      GET STARTED ︎

      Conventional Mortgage Loans

      rates as low as

      5.75%/6.039% APR*

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

      Conventional Mortgage – fixed rate loan

      Taking a leap into homeownership? As you explore your options, you’ll quickly discover that there are many different types of loans to choose from. With so many choices, picking the right loan for your needs can be tough. For many borrowers, a conventional loan is the best choice.

      Conventional mortgages are available with several different term options, with most people choosing between 15-year and 30-year terms. This rate is fixed, so you can count on consistent payments for your loan.

      No mortgage insurance is needed if you have a 20% down payment or 20% equity in the home. As little as 5% down (3% if first-time homebuyer). For purchase or refinance.

      THIS LOAN IS A GOOD FIT IF...

      • You plan to own your home long-term
      • You recently graduated from college
      • You are an active military or veteran
      • You are a first-time home buyer
      • You have a good credit score
      • You have a good debt-to-income ratio
      • You want to avoid upfront fees on government loans

      Conventional Mortgage - Adjustable Rate Loan

      Planning a short stay? Take advantage of low early rates if you have the wherewithal to pay off your loan early and often. It’s a decent option for a short-term residency as rates fluctuate with the market. For purchase or refinance.

      THIS LOAN IS A GOOD FIT IF...

      • You believe rates are going to drop soon and don't plan on staying in your home long-term
      GET STARTED ︎
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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.

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      A perfect fit for every lifestyle.

      VectorHouses

      Additional home loan types

      Home Equity Loans

      Learn More
      Rates as low as
      8.00%       APR* as low as
      9.16%
      Apply Now ▶︎

      Construction Loans

      Learn More
      Rates as low as
      3.99%       APR* as low as
      6.803%
      Apply Now ▶︎

      Home Equity Construction Loans

      Learn More
      Rates as low as
      9.99%       APR* as low as
      14.859%
      Apply Now ▶︎

      FHA Loans

      Learn More
      Rates as low as
      5.375%       APR* as low as
      6.038%
      Apply Now ▶︎

      VA Loans

      Learn More
      Rates as low as
      5.375%       APR* as low as
      6.073%
      Apply Now ▶︎

      Arm Loans

      Learn More
      Rates as low as
      6.875%       APR* as low as
      6.999%
      Apply Now ▶︎

      Rural Development Loans

      Learn More
      Rates as low as
      5.624%       APR* as low as
      6.806%
      Apply Now ▶︎

      Repeat Home Buyer Loans

      Learn More
      Rates as low as
      6.125%       APR* as low as
      6.680%
      Apply Now ▶︎
      *APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score. Tiers 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 the loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR. All expenses not specified herein, including, without limitation, all federal, state, and local taxes, are the member’s sole responsibility. Equal Housing Lender. NMLS 441310
       
       
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      We're Ready When You Are

      Meet The Team

      Tyana Viss

      Mortgage Loan Originator

      Branch: South Cliff
      NMLS #1441509

      MEET TYANA ︎

      James Nytroe

      Mortgage Loan Originator

      Branch: Arrowhead
      NMLS #489420

      MEET JAMES ︎

      Nicole Taubert

      Mortgage Loan Originator

      Branch: Downtown
      NMLS #1601641

      MEET NICOLE ︎

      Dave Kowalczyk

      Mortgage Loan Originator

      Branch: S. Louise
      NMLS #465946

      MEET DAVE ︎

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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 6.375% 6.553%
      20 YEAR FIXED RATE 6.375% 6.610%
      15 YEAR FIXED RATE 5.75% 6.039%
      10 YEAR FIXED RATE 5.75% 6.160%
      7/1 ARM 6.875% 6.999%
      10/1 ARM 6.875% 6.999%
      SOUTH DAKOTA HOUSING 30 YEAR FHA 5.375% 5.778%
      SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS 5.875% 6.291%
      FHA 30 YEAR FIXED RATE 5.624% 6.019%
      VA 30 YEAR FIXED RATE 5.624% 6.040%
      Mortgage Type Rate APR* Term (Months)
      RESIDENTIAL LOT LOANS 80% LTV TERM 15 YEARS 7.99% 8.168% 180
      CONSTRUCTION LOAN OPTION 1 3.99% 6.803% 9
      CONSTRUCTION LOAN OPTION 2 4.99% 8.21% 9

      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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      Routing Number: 291479974

      NMLS: 441310

      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.

      © 2014-2024 Levo Credit Union