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5 agents listed
Updated May 2026
Aberdeen, SD
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the South Dakota before hiring.
Showing 5 mortgage lenders in Aberdeen, SD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Healthcare Plus Federal Credit Union
203 S Dakota St, Aberdeen, SD 57401
6057250900
Farm Credit Services of America
4835 6th Ave SE, Aberdeen, SD 57401
6052251030
Chris Hein-U.S. Bank Mortgage
320 S 1st St, Aberdeen, SD 57401
6053942020
US Bank Mortgage
320 S 1st St, Aberdeen, SD 57401
8008722657
Wells Fargo Home Mortgage
204 S 1st St, Aberdeen, SD 57401
6052298241
Mortgage lenders in Aberdeen South Dakota help home buyers and homeowners secure financing for residential properties. South Dakota law requires lenders to follow specific licensing rules under the South Dakota Division of Banking. Local lenders understand the Aberdeen real estate market and can guide you through conventional FHA and VA loan options.
What Does a Mortgage Lender in Aberdeen Cost?
Typical costs for a mortgage in South Dakota include an origination fee of 0.5 to 1 percent of the loan amount and appraisal fees ranging from 400 to 700 dollars. Closing costs usually total 2 to 5 percent of the purchase price. Title insurance and recording fees are also required. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Aberdeen?
You typically need pay stubs tax returns bank statements and a valid ID. Lenders also require proof of employment and credit history. South Dakota does not have a state income tax which can simplify income verification for some borrowers.
Are there first time home buyer programs in South Dakota?
Yes the South Dakota Housing Development Authority offers programs like the FirstHome program. This provides down payment assistance and competitive interest rates for eligible buyers. You must complete a home buyer education course to qualify.
How long does the mortgage process take in South Dakota?
The process usually takes 30 to 45 days from application to closing. South Dakota requires a title search and property survey before closing. Delays can occur if appraisals or underwriting take longer than expected.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the South Dakota.