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Compare va loan specialists in Watertown. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
Watertown, 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 15 va loan specialists in Watertown, 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.
Dakotaland Federal Credit Union Watertown
1101 9th Ave SE, Watertown, SD 57201
6058845775
Sarah E Erickson | Fairway Independent Mortgage Corporation Loan Officer
114 W Kemp Ave, Watertown, SD 57201
6057530136
Avanti Federal Credit Union
1620 4th St NE, Watertown, SD 57201
6058822357
Fairway Independent Mortgage Corporation
114 W Kemp Ave, Watertown, SD 57201
6057530136
OneMain Financial
1040 29th St SE, Watertown, SD 57201
6058863770
American Bank & Trust
1715 1st Ave NE, Watertown, SD 57201
6058685450
Plains Commerce Bank
109 1st Ave SE, Watertown, SD 57201
6058866966
First Interstate Bank
35 1st Ave NE, Watertown, SD 57201
6058868401
Watertown VA Clinic
4 19th St NE, Watertown, SD 57201
6058842420
Codington County Veteran Services
101 19th St NE, Watertown, SD 57201
6058826289
Bob Boes - Reliabank Mortgage - NMLS# 404159
1401 4th St NE, Watertown, SD 57201
6058844445
Wells Fargo Home Mortgage - Linda Larson
20 N Maple, Watertown, SD 57201
6058827144
Codington County Veterans Service Office
101 19th St SE, Watertown, SD 57201
6058826289
Farm Credit Services of America
1114 29th St SE, Watertown, SD 57201
6058824030
Landera
513 10th St NW A, Watertown, SD 57201
6057535880
VA loan specialists in Watertown, South Dakota help veterans and active duty service members secure home financing with favorable terms. South Dakota does not charge state income tax, which can make homeownership more affordable for military families. Specialists guide clients through the VA funding fee, certificate of eligibility, and local property appraisal requirements.
What Does a VA Loan Specialist in Watertown Cost?
VA loan specialist fees in South Dakota typically range from 0.5% to 1% of the loan amount, though many specialists are paid by the lender and do not charge upfront fees. The VA funding fee for first-time use is 2.15% for regular military and 2.4% for Reserve or National Guard, but this fee is waived for veterans with a service-connected disability. Some specialists may charge a flat consultation fee between 200 and 500 dollars. This is general information, 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 does a VA loan specialist in Watertown do?
A VA loan specialist helps veterans and service members apply for and close VA-backed home loans. They assist with paperwork, lender coordination, and understanding South Dakota specific property tax exemptions.
Do I need a certain credit score for a VA loan in South Dakota?
The VA does not set a minimum credit score, but most lenders in South Dakota require a score of 620 or higher. A specialist can help you find a lender that works with your financial situation.
Are there South Dakota specific benefits for VA loan holders?
Yes, South Dakota offers a property tax exemption for disabled veterans and surviving spouses. A VA loan specialist can explain how to apply for this exemption through the Codington County treasurer office.
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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.