Primary location
2501 S MinnesotaSioux Falls, SD 57105
Mortgage Loan Officer
NMLS# 400288
605.988.9807
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyI'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 605.988.9807.
Service areas include
Primary location
2501 S Minnesota605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyYou need a lender that cares about your clients as much as you do.
The rates below assume a few basic things:
Rates are current as of
See rates for other states.
Term | Rate | APR |
---|---|---|
30-year fixed | ||
20-year fixed | ||
15-year fixed | ||
10-year fixed |
Term | Rate | APR |
---|---|---|
10-year ARM | ||
5-year ARM |
Term | Rate | APR |
---|---|---|
30-year fixed - FHA | ||
15-year fixed - FHA |
Term | Rate | APR |
---|---|---|
30-year fixed - VA | ||
15-year fixed - VA |
Term | Rate | APR |
---|---|---|
30-year fixed - jumbo | ||
20-year fixed - jumbo | ||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 400288
605.988.9807
605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyThe rates below assume a few basic things:
Rates are current as of
See rates for other states.
Term | Rate | APR |
---|---|---|
30-year fixed | ||
20-year fixed | ||
15-year fixed | ||
10-year fixed |
Term | Rate | APR |
---|---|---|
10-year ARM | ||
5-year ARM |
Term | Rate | APR |
---|---|---|
30-year fixed - FHA | ||
15-year fixed - FHA |
Term | Rate | APR |
---|---|---|
30-year fixed - VA | ||
15-year fixed - VA |
Term | Rate | APR |
---|---|---|
30-year fixed - jumbo | ||
20-year fixed - jumbo | ||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 400288
605.988.9807
605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 400288
605.988.9807
605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 400288
605.988.9807
605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
A single-family home may be fully detached or a semi-detached, side-by-side structure such as a duplex, row house or townhome. They are typically site-built (vs. being factory built) and must have certain characteristics. For example, they must have a ground-to-roof wall, their own heating system and utilities and must not have units located above or below.
Yes. A townhouse is considered a single-family home. Townhomes are individually owned and come in a wide range of sizes and configurations, usually sharing one or two walls with adjacent properties. Residents are responsible for both the interior and exterior of the property, since they own the portion of the land on which the townhome sits. Townhomes function much like condos in that they’re generally part of a homeowner’s association and may come with homeowners’ association (HOA) fees.
Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
Yes. You don’t have to be a first-time home buyer to take advantage of a Federal Housing Administration (FHA) loan. FHA loans are available to all qualified buyers, regardless of income level, and they often have more flexible credit and down payment requirements.
Generally, the more you put down, the lower your interest rate and monthly payment. There are also low or no-down payment options available on certain types of mortgage products, to qualified home buyers. Our down payment calculator can help you understand the costs and benefits of different down payment amounts so you can decide what makes the most sense for you.
Yes. If you have enough equity in your home, you can consolidate a home equity loan, line of credit or other debt (like a credit card or car loan) into a Cash-out Refinance for a first-lien mortgage loan. With this option, the existing home mortgage and any liens on the property are paid off and replaced with a new mortgage. When you close on the loan, part of the loan will pay off your first mortgage and the cash-out part will pay off your home equity loan, line of credit or other debt.
Just as with your first mortgage, you must meet certain requirements to qualify for a mortgage refinance. The process includes applying for the loan, going through the underwriting process and closing on the home. A mortgage refinance may allow you to change terms, lower your monthly payments or reduce your interest rate. To learn more about how to refinance a mortgage, connect with your mortgage loan officer.
To qualify for a Veterans Affairs (VA) refinance loan , you must be an active-duty service member, veteran or eligible surviving spouse. A VA loan may allow you to refinance a home with little or no equity to get cash out or to lower your monthly payment. If you don’t meet the qualifications for a VA refinance loan, Federal Housing Administration (FHA) refinance loans offer similar advantages, including lower borrower equity requirements.
If you’re considering a lot loan, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment amount and debt-to-income ratio. You can strengthen your ability to qualify by monitoring your credit score and taking steps to get your score as high as possible prior to applying for the loan. Contact your mortgage loan officer to learn more about how to get a lot loan.
A lot loan is a mortgage that pays for a residential lot on which a single-family detached home will be built in the near future. It’s different from a construction loan in that it only pays for the lot the home will be built on. The construction loan pays for the construction of the home itself. Condo properties and properties with existing structures on the site are not eligible.
Lot loans are available to qualified buyers who are interested in buying a lot to build a home on. With lot loans, the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 3/1 ARM lot loan has a fixed rate for the first three years and an adjustable rate for the remaining duration of the loan. To learn more about how lot loans work, connect with your mortgage loan officer.
Mortgage Loan Officer
NMLS# 400288
605.988.9807
605.988.9807
605.941.2476
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
Continue