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Pierre Home Loans

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Pierre Mortgage and Home Loans


There’s no place like home, and our BankWest Mortgage team in Pierre can help you build, renovate or purchase the home of your dreams. And despite what you might think, BankWest makes securing a home loan easier than you ever thought possible.


Our BankWest real estate professionals have a strong understanding of the South Dakota housing market and years of experience with mortgages in the Pierre area. This experience helps provide a unique insight and a solid plan for building, renovating or purchasing a home. From your first discussion to your moving day, BankWest will be there to provide solid advice and walk you through the financial roadmap.


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Home Loan and Mortgage Options in Pierre


At BankWest in Pierre, we offer an array of home loan options for qualified homebuyers. Below is a brief description of each home loan and mortgage option. For more information about our real estate products and services, please stop by one of our two Pierre Mortgage offices to visit with a BankWest representative.

Fixed-Rate Mortgages

For families or individuals who plan to make Pierre their long-term home, a fixed-rate mortgage is likely the most affordable option. With a fixed-rate mortgage, your interest rate and monthly payment remain constant throughout the life of the home loan.

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Federal Housing Administration (FHA) Loans

For homebuyers with limited monthly incomes and/or the inability to make a down payment, an FHA loan might be the best option. As an FHA-approved lender, BankWest offers affordable government-insured loans to qualified homebuyers.

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First-Time Homebuyer Loans

Becoming a first-time homeowner is an exciting time in your life. At BankWest in Pierre, our First-Time Homebuyer Program provides low-interest, fixed-rate mortgage loans for homes with a purchase price less than $385,000.

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Rural Development (RD) Loans

Backed by the U.S. Department of Agriculture, Rural Development Loans are a great option for low- to moderate-income families. Applicants must meet a number of criteria including income eligibility, the legal capacity to incur a loan and a home that meets all program criteria.

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Veterans Administration (VA) Loans

BankWest in Pierre is a VA-approved lender. We proudly serve our veterans by offering VA loans with special rates to individuals who served or are currently serving in the U.S. Armed Forces.

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Construction Loans

A BankWest construction loan allows for draws to pay building expenses throughout the construction process. Land/lot expenses may be rolled into your construction loan. When home construction is complete, the construction loan will be converted into a permanent mortgage loan.

house under construction

Jumbo Mortgages

Designed for luxury homes and homebuyers with a qualified income, a jumbo loan from BankWest may exceed the maximum loan amount allowed by most mortgage investors.

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Lot Loans

BankWest offers real estate loans for lots or property before construction begins. The transition from lot to construction loan is easily made when the buyer is ready to begin the building process.

Empty lot for home construction - lot loans

With decades of banking and lending experience, BankWest is proud to be setting the bar for all financial services in the Pierre area. Our experienced mortgage originators, and their commitment to customizing each loan, help reinforce our outstanding reputation across South Dakota.


BankWest Locations in Pierre


Stop by one our BankWest locations in Pierre to speak to a home loan advisor today:

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Whether you need more convenience or more options, you can count on us to be with you every step of the way.

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