South Dakota, the Mount Rushmore State, invites you to immerse yourself in its vast landscapes, rich history, and tight-knit communities. From the rugged Badlands to the sacred Black Hills, South Dakota offers a backdrop of natural beauty that inspires and rejuvenates. The state is not just home to monumental sculptures and historic sites; it’s a place where the spirit of the American West is alive and thriving in cities like Sioux Falls, Rapid City, and Pierre. South Dakota’s appeal is further enhanced by its proximity to areas known for their beauty and quality of life, such as Spearfish, Vermillion, Yankton, and Brookings, offering residents a variety of lifestyle choices amidst the state’s scenic grandeur.
Dreaming of making South Dakota your home? Our Jumbo Verified™ lender network is ready to assist you with competitive rates and mortgage plans designed for South Dakota’s unique real estate market. Whether you’re captivated by a home with views of the rolling prairies, nestled in the pine-clad hills, or in a vibrant city neighborhood, we’re here to support your homeownership journey in South Dakota.
Tailored Mortgage Solutions for South Dakota’s Diverse Real Estate Landscape
South Dakota’s real estate market reflects the state’s diverse geography and lifestyle, offering a range of properties from cozy mountain cabins to modern urban dwellings. Our lending experts are committed to providing mortgage strategies that align with your aspirations for a home in South Dakota.
- A wide selection of mortgage types for South Dakota properties: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
- Financing solutions designed to embrace South Dakota’s varied property landscape, helping you find a home that suits your needs and dreams.
- Personalized mortgage plans that cater to your lifestyle in South Dakota, whether you’re drawn to outdoor adventures or the warmth of community life.
- Expertise in South Dakota’s housing market, with specialized financing options like Land, Construction, and Bridge loans.
- Competitive rates to facilitate your home purchase or refinancing in South Dakota, making homeownership more accessible in the Mount Rushmore State.
Embrace the South Dakota Lifestyle
South Dakota offers more than a place to live; it’s a lifestyle enriched by the beauty of nature, the depth of history, and the strength of community bonds. From the majestic vistas of the Badlands to the cultural festivities in Sioux Falls, South Dakota invites you to live a life full of exploration and connection.
2024 SOUTH DAKOTA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| AURORA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BEADLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BENNETT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BON HOMME COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BROOKINGS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BROWN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRULE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUFFALO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAMPBELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHARLES MIX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLARK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CODINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CORSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CUSTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAVISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DEUEL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DEWEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DOUGLAS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EDMUNDS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FALL RIVER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FAULK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRANT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREGORY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAAKON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAMLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HANSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARDING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUGHES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUTCHINSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HYDE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JERAULD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JONES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KINGSBURY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAWRENCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LINCOLN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LYMAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCCOOK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCPHERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARSHALL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MEADE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MELLETTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MINER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MINNEHAHA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MOODY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OGLALA LAKOTA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PENNINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PERKINS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POTTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROBERTS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SANBORN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SPINK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STANLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SULLY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TODD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRIPP COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TURNER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UNION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WALWORTH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YANKTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ZIEBACH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN SOUTH DAKOTA
Neighborhoods
Pierre, Brandon, Rapid Valley, Aberdeen, Mitchell, Sioux Falls, Watertown, Belle Fourche, Box Elder, Sturgis, Brookings, Huron, Rapid City, Milbank & Ledd.
Zip Codes
57049, 57108, 57465, 57038, 57471, 57631, 57239, 57445, 57433, 57479, 57005, 57702, 57460, 57564 & 57242
Counties
Marshall County, Perkins County, Haakon County, Pennington County, Minnehaha County, Sully County, Stanley County, Hughes County, Lincoln County, Lawrence County, Miner County, Spink County, Moody County & Jerauld County.