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Bad Credit Home Loans in Rapid City, South Dakota

Bad Credit Home Loans offers new home purchases, home refinancing, home equity loans, sub prime, FHA, Fannie Mae, bridge loans and more. We can offer consumers in Rapid City South Dakota a quick and easy way to get in touch with the mortgage and financial services they need. We can help you consolidate your debt by offering you a debt consolidation loan. Complete the quick application form and a finance consultant will contact you and help you reach your financial goals.

Home Loan Refinancing

Refinancing your home can be very beneficial to any homeowner. If you are looking to lower your home interest rate, change your home loan terms, or get cash-out of your home, refinancing may be for you. Apply online to get the best interest rate available on the home loan market place.

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Mortgage Refinancing in Rapid City, South Dakota.

Get financed in Rapid City. We help people in South Dakota and across the country get the financing they need. Begin the application now, or select a different city.
Aberdeen
Brookings
Huron
Madison
Mitchell
Pierre
Rapid City
Rapid Valley
Sioux Falls
Spearfish
Sturgis
Vermillion
Watertown
Yankton

Mortgage Terms
Closing costs
Closing costs are the total expenses that the buyer pays at the time a real estate transaction is completed. closing costs generally range between 3 and 6 percent of the home purchase price. With conventional loans, the following closing costs cannot be paid by the Seller for the Buyer: Pre-paid interest, Hazard insurance impounds, or Property tax impounds.
Federal Housing Administration (FHA)
An agency of the U.S. Department of Housing and Urban Development (HUD). It insures residential mortgage loans made by private lenders. FHA also sets standards for underwriting mortgages.
Fixed-Rated Mortgage
A mortgage on which the interest rate is set for the term of the loan.
Private Mortgage Insurance (PMI)
In the event that you do not have a 20 percent down payment, lenders will allow a smaller down payment - as low as 3 percent in some cases. With down payments below 20%, borrowers are usually required to carry private mortgage insurance depending on your loan's structure. Private Mortgage Insurance, is paid on all non-government-insured loans and whose equity is less than 20%. When you have accumulated 20% in equity, your lender may waive PMI at your request. FHA and VA loans have different insurance and guidelines; see Mortgage Insurance Premium for FHA loans.

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