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

No matter where you are in the home buying process, I can help. As a mortgage loan officer right here in Rapid City, I work with you to help find the right mortgage for your unique situation. You probably have lots of questions. How much house can I really afford? Are there special mortgage programs for people like me? I have the resources to answer questions like that and I've worked with lots of people in and around Rapid City with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 605.394.2034.

Discover what kind of
loan you could qualify for.

Our online system makes it fast and easy.

Get Started

Education

First-Time Homebuyer

First-Time Homebuyer

At U.S. Bank in Rapid City, we guide first-time homebuyers through all the stages of obtaining a home mortgage—including what to do after you own your home. Besides helping you choose and apply for the right kind of mortgage, we can also talk to you about construction and debt consolidation mortgages. Call 605.394.2034 to learn more about home financing.

First-Time Homebuyer

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

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.

VA Home Mortgages

Building a Home

Building a Home

Ready for a change of scenery? How about something completely new? If you’re considering building your own custom home, then U.S. Bank in Rapid City is ready to help. We have lot loans, construction loans, and construction-to-permanent loans. We’ll guide you through every step of the home financing process. Call 605.394.2034 to schedule an appointment with one of our mortgage specialists.

Building a Home

Understanding Your Loan Choices

Understanding Your Loan Choices

When it comes to mortgages, every type of home financing has its pros and cons. A fixed-rate mortgage features fixed monthly payments, and it is ideal for borrowers who plan on staying in their home for several years. Adjustable-rate mortgages have lower rates, but they may go up in the future. To figure out the best financing option for you, call 605.394.2034.

Understanding Your Loan Choices

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

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