Hand-Picked Lenders Who Actually Call You Back
Two local pros I trust to get your deal done right.
If you're buying a home in the Black Hills or Rapid City area, your lender choice matters. The right local lender understands the properties here, knows what appraisers look for, and will pick up the phone when something comes up. These are two professionals I've worked with extensively, and both have earned my trust.
Whether you're using a VA loan, buying your first home, or exploring South Dakota's programs for down payment assistance, these folks can help you find the best fit for your situation.
Josh Campbell – CMG Home Loans
Josh is my mortgage wizard and resident numbers nerd. He's a direct lender who digs into the details of every deal, and he's especially strong with VA loans, conventional financing, and helping buyers crunch the numbers to improve their credit and boost their buying power.
Why I recommend Josh: CMG typically doesn't sell your loan after closing, so you're not handed off to an out-of-state servicer. He also offers a low closing cost program and a credit rescore service that has helped many of my clients improve their buying power before locking in their rate.
Trent Gonzalez – Affiliated Mortgage
Trent is a mortgage broker, which means he shops multiple lenders to find the best rate and program for your situation. He's especially helpful if you need flexibility or want a second opinion before committing.
Why I recommend Trent: As a broker, he can shop a wide range of lenders to find the best rate and program for you. He's helped many of my clients find creative solutions that big-box lenders couldn't touch.
Common Loan Types
Not sure which loan is right for you? Here's a quick overview of the most common options. Both Josh and Trent are well-versed in all of these — just reach out and they'll help you figure out the best fit for your situation.
- VA Loans — Available to eligible veterans and active-duty military. Zero down payment required, no private mortgage insurance, and competitive rates. One of the best loan products available if you qualify.
- Conventional Loans — The most common loan type. Typically requires 3% to 20% down depending on your situation. Great for buyers with solid credit who want flexibility in terms and property types.
- FHA Loans — Backed by the federal government with a minimum 3.5% down payment and more flexible credit requirements. A popular choice for first-time buyers or those still building their credit profile.
- USDA Rural Development Loans — Zero down payment for buyers in eligible rural areas. Much of the Black Hills region qualifies, making this a great option that many buyers overlook.
- Jumbo Loans — For higher-priced properties that exceed standard conventional loan limits. If you're eyeing a premium property, this is likely the route you'll take.
- SDHDA Programs — South Dakota Housing Development Authority programs that offer down payment assistance and below-market interest rates for qualifying buyers. A great resource for first-time buyers in particular.
- New Construction & Land Loans — Financing options for buyers building a home, purchasing land, or looking at manufactured and modular housing. More complex than a standard purchase, but very doable with the right lender.
Every buyer's situation is different. Text or call me at (605) 490-2040 and I'll personally connect you with the right lender for your specific loan type and goals.
Frequently Asked Questions
What's the typical down payment?
It depends on the loan type. VA and USDA loans offer 0% down for eligible buyers. FHA loans require 3.5%. Conventional loans typically start at 3% to 5% for first-time buyers. SDHDA programs may also help reduce what you need upfront.
Does South Dakota offer homebuyer programs?
Yes. The South Dakota Housing Development Authority (SDHDA) offers first-time buyer programs, low-interest loans, and down payment assistance. Both Josh and Trent are familiar with these options.
Why use a local lender instead of an online one?
Local lenders know Black Hills properties — wells, septic systems, rural access, and what appraisers look for here. They won't add unnecessary requirements that delay or kill deals. And when something comes up, they actually answer the phone.
Do I have to use one of these two lenders?
Not at all. These are simply two I've personally worked with and trust. If you already have someone you're working with, I'm happy to coordinate with them too.
Do you have other lender recommendations?
Yes. I've got connections with other trusted lenders who specialize in land loans, new construction, manufactured housing, jumbo loans, and other unique situations. Just let me know what you need.
Are these lenders good for VA loans?
Yes. Both Josh and Trent work with a lot of VA buyers and know how to get VA loans done quickly and correctly, without asking for anything that isn't required by VA guidelines.
Want a personal intro to Josh or Trent?
Need a different type of lender recommendation? I've got you covered.
(605) 490-2040Box Elder
Box Elder is an appealing choice for those seeking a quieter, more suburban environment while still being close to the conveniences of a larger city. Located near Ellsworth Air Force Base, it has a st ...
View moreRapid City
Rapid City offers a vibrant community with a rich cultural heritage and a wide range of amenities. As the gateway to the Black Hills, it provides easy access to outdoor recreational activities such as ...
View moreSummerset
Summerset is a growing community known for its scenic surroundings and family-friendly atmosphere. Situated just a short drive from Rapid City, it offers a peaceful residential setting with the added ...
View more
