Kathy Waggoner
Mortgage Loan Officer
NMLS# 502081

Kathy Waggoner

Mortgage Loan Officer
NMLS# 502081
Call: 605.394.2034
Fax: 605.394.2094

Primary Location

701 St Joseph St
Rapid City, SD 57701

Home Loan Calculators

Our handy calculators let you estimate your monthly payments, find out how much house you could afford, and more.

Mortgage CalculatorsHome Equity Calculator

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About Me

Everyone has a dream home in mind. Whether it's an historic center hall colonial or a contemporary bi-level, I will try to help make your home ownership dreams a reality. U.S. Bank has been in the mortgage business for decades, so I have the resources to answer questions like: How much should I put down? What is the best term for my budget?

Your family deserves the best, and going through the home financing process is no exception. As a mortgage professional, I know how stressful this process can be, which is why I will do everything I can to assist you. Contact me at 605.394.2034 to learn more about how I can guide you and your family through the home buying process.

Discover what kind of
loan you could qualify for.

Our online system makes it fast and easy.

Get Started

Education

Buying a Home

Buying a Home

Maybe you’ve been living in the same house for decades, or maybe you’re ready to finally purchase that lake house. Whatever the reason, the mortgage professionals at U.S. Bank in Rapid City can help you find the right home loan. We offer home financing options for all types of buyers, and we’ll personally guide you through the mortgage process step-by-step.

Buying a Home

Refinancing a Home

Refinancing a Home

Are you thinking about refinancing your current mortgage? U.S. Bank in Rapid City offers competitive interest rates and flexible loan terms. To determine if refinancing is a good option for you, and to learn about your loan choices, call (605) 394-2034 to make an appointment with one of our experienced mortgage professionals.

Refinance Your Home

HARP Program

HARP Program

If your financial situation has been unstable, then U.S. Bank in Rapid City may have a way to help. The HARP program is designed to help struggling homeowners refinance their mortgages so that they can stay in their homes. You may be eligible for better interest rates or lower monthly payments if your home loan is with Fannie Mae or Freddie Mac—call (605) 394-2034 to learn more.

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Buying Investment Property

Buying Investment Property

Are traditional investments not providing you with the profitable returns that you need? An investment property may be a great alternative (or addition) to your financial plans. Whether you’re interested in a single-family home or a condominium, U.S. Bank in Rapid City can help you finance it. Call (605) 394-2034 to make an appointment with a mortgage professional.

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VA Home Mortgages

VA Home Mortgages

U.S. Bank appreciates all that veterans have done for our country. We are proud to be approved lenders in the VA Home Loan Guarantee Program. Service members, veterans, and eligible surviving spouses may qualify for lower monthly payments, and/or low or no down payments. Contact our Rapid City location to see if you are eligible.

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