Mortgage Loans

Young family in new house.

If you’re interested in purchasing a new home, we invite you to contact our partners at CU Mortgage Direct, LLC.  More information provided below.

Mortgage Loans

Sioux Empire FCU (NMLS# 619042) can help you build a new home, purchase a new home, or refinance an existing one. 

Sioux Empire FCU (NMLS# 619042) can help you build a new home, purchase a new home, or refinance an existing one. We can also help you use the equity you’ve built up in your home to finance those important things like your child’s college education, home improvements, or a family vacation. You can even use the equity in your home to consolidate all those high interest credit card bills! All property must be in the state of South Dakota.

CU Mortgage Direct, LLC Logo

Meeting your mortgage needs is so important to Sioux Empire Federal Credit Union that we created a subsidiary to concentrate on nothing else but simplifying the process for you, our member. CU Mortgage Direct, LLC,  offers the
following mortgage services:

  • Conventional

  • FHA

  • VA

  • USDA Rural Development

  • South Dakota Housing Development Authority (SDHDA)

  • Second Homes

  • Vacation Homes

  • Investment Property

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There are two types of home equity debt: home equity loans and home equity lines of credit, also known as HELOC. They are both commonly referred to as a second mortgage.

home equity loan may be an excellent way to utilize the equity in your home for a variety of reasons.  It may be utilized to finance:

  • Debt Consolidation
  • Medical Expenses
  • Educational Expenses
  • Home Improvements

If you would like to be contacted about a HELOC, please complete this online form or call us at (605)367-7070.

If you would like to be contacted about other options for home equity or have general questions, please fill out this contact form, or give us a call!

Sioux Empire Federal Credit Union wants to help you build the house of your dreams. With a low rate construction loan, members are given greater insight into the building of their new home. Plus, you’ll pay less fees!

For more information or to make an online construction draw request, click here.

A land loan allows you to purchase a lot and secure land before you ever begin to think about the construction of your new home. Property must be located in the state of South Dakota.

For more information, contact our Mortgage Loan Officer, Debbie Dixon, by calling (605)275-1705.

A home improvement loan allows you to increase the value in your home by financing updates and upgrades. You can use a home improvement loan to add square footage, update flooring or countertops, install energy-saving enhancements, and more.

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