Mortgage
We Take Mortgage Personally
Not everybody gets excited about mortgages—but we do. We’ll use our expertise to get you the home of your dreams with a customized mortgage(1) that’s perfect for your individual needs.
We’ll Customize Your Mortgage.
There is no “one size fits all” mortgage. We’ll sit down with you to figure out what works best for your personal situation.
We also have no closing cost options for qualified mortgages, which means you have the freedom to customize your budget.
We’re Local.
This is important—it means our decisions are made right here in South Dakota. So you’ll be working with real, live people who actually live in the area.
It also means that we know the area and the local market, which means you get a quicker, smoother approval. We think you’ll approve, too.
We Keep it Simple.
Mortgages have a reputation for being complicated, so it’s our goal to keep things as simple for you as possible.
Want to apply for your mortgage online? That works for us. Want to have your mortgage payments automatically deducted from your checking account? We can do that, too.
100% Financing Is Available.
We offer 100% financing for qualified new mortgages—which means you may not have to come up with a down payment if you go with the Rural Development or Veteran's Administration loan programs.
Mortgage Team
You can put your trust in our mortgage experts. No matter the size or type of mortgage, they'll be by your side and ensure a seamless home loan experience.
Learn MoreApply Now
Apply online at any time of day or night. One of our mortgage bankers will respond within 48 hours to help you get pre-qualified.
Learn MoreTypes of Mortgage Loans
Plains Commerce offers a variety of home loans, including new construction loans, fixed and adjustable rate mortgages, & options for first-time homebuyers.
Learn MoreConstruction and Renovation
From new home builds to increasing equity, let the team at Plains Commerce help keep your project running smoothly with loan options and funding.
Learn MoreWhat to Expect: Our Process
We’ll walk you through the 7 steps of getting a mortgage, from application to closing. It’s not as complicated as you might think.
Learn MoreRate Watch
Learn MoreMortgage FAQs
Get answers to your mortgage loan FAQs with Plains Commerce Bank. Have more questions? Contact our lending experts for personalized guidance.
Learn MoreBridge Loan
Looking to buy a new home but need funds for the down payment? Consider a Bridge Loan, which uses the equity in your current home to bridge the gap.
Learn MoreSouth Dakota’s First-Time Homebuyer Program
Learn the ins and outs of the South Dakota First-Time Homebuyer program at Plains Commerce Bank.
Learn MoreMortgage Payment Center
Learn More
Overwhelmed? Or just not sure which type of mortgage is right for you?
Just give us a call at (605) 330-0133 or contact us online and we’ll be happy to help you.
To contact us, Let's TalkNote: It is our policy not to accept mortgage loan applications from individuals or businesses located outside of our trade area unless the applicant is a present customer or has made prior arrangements with a bank officer. If you are outside of our area and would like us to consider your mortgage loan application, please contact us.
