Welcome to Capital Home Mortgage South Dakota, where our goal is to provide South Dakota Home Loans to South Dakota homebuyers and homeowners with low rates and fees while providing exceptional service.  First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is why Capital Home Mortgage South Dakota provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress-free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.

As a direct South Dakota Mortgage Lender, Capital Home Mortgage South Dakota controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  This control means from application to funding we make every decision.

Capital Home Mortgage South Dakota is a full-service South Dakota Mortgage Lender that offers a wide range of mortgage products as well as competitive South Dakota Mortgage Rates.  Whether you are a first-time purchaser seeking a South Dakota FHA Home Loan, looking for a rural Property needing a South Dakota USDA Home Loan, a Native South Dakotan wanting to use the HUD 184  South Dakota Native American Home Loan, an active or retired veteran in need of a South-Dakota VA Home Loan, or a seasoned buyer in need of a South Dakota Conventional Home Loan, we are here to assist.   

Call today (605) 349-4377 to speak with our South Dakota Loan Officers.

The state of South Dakota, known as the Mount Rushmore State, is surrounded by North Dakota to the north, Minnesota to the east, Iowa to the southeast, Nebraska to the south, Wyoming to the west, and Montana to the northwest.  It is situated in the Midwestern area of the United States.  South Dakota’s largest city is Sioux Falls, while the state capital is Pierre.

South Dakota is renowned for its varied topography, which includes the Missouri River, the Black Hills, and the Badlands.  The state is made up of hills, woods, and plains.

South Dakota’s economy is broad, with manufacturing, tourism, and agriculture all having major contributions.  Products from agriculture include hogs, corn, soybeans, wheat, and cattle.

Attractions including Custer State Park, Badlands National Park, and Mount Rushmore support the tourism sector.  One of the most well-known sites in the state is Mount Rushmore National Memorial, which is composed of the likenesses of four US presidents etched into the granite of the Black Hills.

The University of South Dakota and South Dakota State University are two of the many schools and universities located in South Dakota.

There are multiple reservations in South Dakota, including the Pine Ridge Indian Reservation and the Rosebud Indian Reservation. The state is home to a sizable Native American population.

South Dakota has generally been characterized by a stable housing market.  Housing prices vary across the state, with more urban areas such as Sioux Falls experiencing higher prices compared to rural regions.  South Dakota is often considered more affordable than the national average in terms of housing costs.  The cost of living in the state is relatively lower compared to some other parts of the United States.  Rural areas may have more affordable housing options compared to urban centers.  Sioux Falls, the largest city in the state, has seen growth and development, influencing its real estate market.

Real estate trends can be influenced by factors such as job markets, population growth, and economic conditions.  The state’s economy, which includes agriculture, manufacturing, and tourism, can impact real estate trends.  Rental markets can vary across different regions of the state.

Cities like Sioux Falls and Rapid City tend to have more active rental markets compared to rural areas.

South Dakota’s tourism industry, with attractions like Mount Rushmore and Badlands National Park, can have an impact on the local real estate market, especially in areas frequented by tourists.

Economic stability and job growth can influence the demand for housing in different parts of the state.

Thank you again for allowing us to help you with your South Dakota Home Loan.