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      Rural Development Home Loans

      Living in the country can be a peaceful and serene experience. Away from the hustle and bustle of city life, overall, living in the country can be a refreshing change of pace for those seeking a simpler and more relaxed way of life.

      GET STARTED ︎

      RATES AS LOW AS

      5.750%/6.806% APR*

      30 Year Fixed

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

      Rural Development Home Loans

      If country living is more your speed, we can help you fund your home purchase in rural areas. Affordable rates for low to moderate earners. No down payment is required. You must meet income limit guidelines for the county your home is located in.

      A GOOD FIT IF...

      • You have low to moderate income, or
      • You are buying a home in South Dakota but outside Sioux Falls and Rapid City, or
      • Do not own any other real estate
      GET STARTED ︎
      VIEW ALL HOME LOAN OPTIONS ▶︎
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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.

      We're Ready When You Are

      Meet The Team

      James Nytroe

      Mortgage Loan Originator

      Branch: Arrowhead
      Email: jamesn@levo.org
      NMLS #489420
      Phone: 605-977-8378
      Fax: 605-334-1392

      MEET JAMES ︎

      Tyana Viss

      Mortgage Loan Originator

      Branch: South Cliff
      Email: tyanav@levo.org
      NMLS #1441509
      Phone: 605-977-8336
      Fax: 605-334-1474

      MEET TYANA ︎

      Nicole Taubert

      Mortgage Loan Originator

      Branch: Downtown
      Email: nicolet@levo.org
      NMLS #1601641
      Phone: 605-977-8368
      Fax: 605-334-3981

      MEET NICOLE ︎

      Dave Kowalczyk

      Mortgage Loan Originator

      Branch: South Louise
      Email: davek@levo.org
      NMLS #465946
      Phone: 605-977-8324
      Cell: 605-254-7976
      Fax: 605-334-3981

      MEET DAVE ︎

      Already applied and want to login to your account?

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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 6.50% 6.680%
      20 YEAR FIXED RATE 6.625% 6.863%
      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 5.990% 6.394%
      VA 30 YEAR FIXED RATE 5.750% 6.169*%

      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

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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