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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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Refinance and lower your monthly payment.



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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 National Mortgage Association (FNMA)
A tax-paying corporation created by Congress to support the secondary market in mortgages on residential properties. FNMA sells residential mortgages to lenders (Conventional, FHA insured, and VA guaranteed). FNMA also purchases pools of mortgages from lenders with securities, also know as Fannie Mae, the largest single holder of home mortgages in the United States.
Graduated Payment Mortgage (GPM)
A type of flexible-payment mortgage where the payments increase for a specified period of time and then level off. This type of mortgage has negative amortization built into it.
Refinancing
The process of paying off one loan with the proceeds from a new loan secured by the same property. The main reasons for refinancing is to better the borrower with a lower interest rates, loan term reduction, switch to or from a fixed or ARM loan, receive cash out, debt consolidation, or to eliminate a balloon payment.

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