Borrow

COME HOME TO DAKOTA WEST WITH 1% CASH BACK OFFER

Receive up to $1,000 off your closing costs for a new or refinanced mortgage*.

To begin the home mortgage process, call to speak with a loan officer at 800.411.7590, or visit your nearest branch.

*$1,000 Off Closing Costs offer valid on new home mortgages or refinanced home mortgages.  The actual amount of the offer is based on 1% of the amount financed up to a maximum amount of $1,000.00. If refinancing an existing Dakota West mortgage, a minimum of $5,000 new money is required to receive the offer.

Rebate will be credited to member within 30 days of loan disbursement.  The loan must remain with Dakota West for a minimum of 180 days or the rebate amount will be added to the loan upon payoff.  No other offers or discounts apply, including rate discounts.  Minimum mortgage amount is $20,000.  Dakota West reserves the right to amend, suspend, or discontinue this offer at any time.

APR = Annual Percentage Rate.  All rates advertised are based upon the borrower’s qualifications and the loan amount.

Equal housing lender.  Member NCUA.


Start Your Journey Home Today

Buying a home can be exciting and one of the most important decisions you can make. If you’re a first-time home buyer, you probably have more questions each day as you move closer to holding the keys to your home in your hand.

At Dakota West, our home loan officers want to make the experience as close to the American Dream as you have imagined. No matter where you call home, or whether it’s your home-away-from-home, let us help you get the process started today.

If you’re still thinking about whether owning a home is the right choice for you, speak with one of our loan officers at 800.411.7590 or visit one of our branches and let us find out where you are in the home ownership journey and what we can do to help you make the decision where you want to put down roots.

Grow West with us, wherever home may be!


Conventional Mortgage Loans

  • Plan ahead and save 5% of the cost of the home as your down payment
  • Explore your options to obtain mortgage insurance if you finance more than 80% of the home value
  • Decide whether a fixed interest rate or an adjustable mortgage is better for you
  • Discuss with your loan officer what repayment options will fit your budget

Federal Housing Administration – FHA Loans

  • We work with home buyers and the FHA to help you finance your home
  • Federally insured home loans can cover up to 96.5% of the purchase price
  • Obtain government-issued mortgage insurance
  • Observe mortgage rates – FHA loans have fixed rates

Veteran’s Administration – VA Loans

  • Receive a loan guarantee from the VA for qualified service members and veterans
  • Finance up to 100% of the purchase price of your home
  • Observe mortgage rates – VA loans have fixed rates
  • VA guarantees a portion of the loan

New Home Construction Loans

  • Plan ahead and save 30% of the cost of the home as your down payment
  • Review the building plans and the contract and discuss all costs with a loan officer

Manufactured Homes

  • Plan ahead and save 5% of the cost of the home as your down payment, much like a conventional mortgage
  • Explore your options to obtain mortgage insurance if you finance more than 80% of the home value
  • Decide whether a fixed interest rate or an adjustable mortgage is better for you
  • Discuss with your loan officer what repayment options will fit your budget

Helpful Mortgage Information

Here are some helpful resources for home mortgage applicants

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