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  • About me
  • Mortgage rates
  • Refinance rates
  • Calculator
  • Reviews
  • FAQs

Mortgage Loan Officer

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

Reviews on Zillow

Connect with Rebecca

  • becky.taylor@usbank.com
  • 605.988.9807
  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Sioux Falls, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Sioux Falls 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 605.988.9807.

Service areas include

  • Sioux Falls, SD
  • Brandon, SD
  • Harrisburg, SD
  • Tea, SD
  • Hartford, SD
  • Brookings, SD

Primary location

2501 S Minnesota
Sioux Falls, SD 57105

Connect with Rebecca

  • Emailbecky.taylor@usbank.com
  • Call

    605.988.9807

  • Mobile Call

    605.941.2476

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Explore more

Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

Reviews

See what customers are saying about me.

Read my reviews

Mortgage FAQs

Get answers to common home-buying questions.

Commonly asked questions

Resources for builders and realtors

You need a lender that cares about your clients as much as you do.

Builder resource center Real estate agent resource center

Today’s mortgage rates in South Dakota.

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for the purchase of a single-family home as your primary residence

Rates are current as of

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable rate mortgages

Term Rate APR
10-year ARM
5-year ARM

FHA mortgages

Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA mortgages

Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo mortgages

Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

  • becky.taylor@usbank.com

  • 605.988.9807

  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today’s refinance rates in South Dakota.

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for a single-family home as your primary residence

Rates are current as of

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable rate refinance loans

Term Rate APR
10-year ARM
5-year ARM

FHA refinance loans

Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA refinance loans

Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo refinance loans

Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

  • becky.taylor@usbank.com

  • 605.988.9807

  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

  • becky.taylor@usbank.com

  • 605.988.9807

  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

  • becky.taylor@usbank.com

  • 605.988.9807

  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQs

Get answers to your questions regarding home financing, refinancing and more.

Single-family home buyers

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.

First-time home buyers

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:

  • Credit Score
  • Down payment amount
  • Household income limitations

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.

Second-time home buyers

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.

Refinance

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.

Lot loans

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.

Rebecca Taylor

Mortgage Loan Officer

NMLS# 400288

605.988.9807

  • becky.taylor@usbank.com

  • 605.988.9807

  • 605.941.2476

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Conforming fixed-rate estimated monthly payment and APR example: A $225,000 loan amount with a 30-year term at an interest rate of 3.875% with a down-payment of 20% would result in an estimated principal and interest monthly payment of $1,058.04 over the full term of the loan with an Annual Percentage Rate (APR) of 3.946%.

Estimated monthly payment and APR calculation are based on a down-payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Adjustable-rate mortgage (ARM) estimated monthly payment and APR example as of 2/17/2021: A $225,000 loan amount with a 30-year term at an initial interest rate of 3.625% for the first five years with a down-payment of 20% would result in an initial estimated principal and interest monthly payment of $1,026.12 for the first five years with an Annual Percentage Rate (APR) of 3.204%.

Estimated monthly payment and APR calculation are based on an initial fixed-rate period of 5 years that could change in interest rate each subsequent year for the next 25 years of the loan term, a down-payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. After the 5-year introductory period: the APR is variable and is based upon the current U.S. Treasury bill index plus a margin set by the bank. The APR will vary with a predetermined U.S. Treasury index as published in the Wall Street Journal. Your interest rate will equal the index rate plus the bank’s margin, rounded to the nearest 1/8 percent, unless your interest rate "caps" limit the amount of change in the interest rate. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

The rates shown above are the current rates for a single-family primary residence based on a 60-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by starting your application online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in AK and HI). Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR.

Conforming ARM Loans - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in Alaska and Hawaii). Adjustable-rate (ARM) loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR.

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a $600,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $647,200 ($970,800 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a $255,290 loan ($250,900 base amount plus $4,390 upfront mortgage insurance premium) with a 3.5% down payment, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA Loans - Annual Percentage Rate (APR) calculation assumes a $179,026 loan ($175,001 base amount plus $4,025 VA Funding Fee for first time use) with no down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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