FIRST MORTGAGE
First Mortgages Made Simple and Affordable
Where to Start?
Buying your first home is a major milestone, and Ft. Randall Federal Credit Union is here to help you make it with confidence. We believe homeownership should be accessible, understandable, and rooted in support from a team that truly knows your community. Whether you're just beginning your home search or ready to make an offer, our team is ready to guide you through each step of the mortgage process with personal attention and expert insight.
Start Strong with a Mortgage You Can Trust
We know that first-time homebuyers have a lot of questions — and we’re here to provide clear answers. At FRFCU, our first mortgage options are designed to give you competitive rates, fair terms and conditions, and the flexibility you need to find a loan that fits your life. No jargon, no pressure — just straightforward guidance to help you feel confident about your decision.
Competitive Rates Available
Payment Terms up to 180 Months Available
Ability to Borrow up to 80% of the Appraised Value or 100% of the Tax Assessed Value
Subject to lender approval and based on owner-occupied properties, 1-4 unit properties, lender minimum credit scores, and meet lender underwriting guidelines
Local Lending. Local Understanding
As a member-owned credit union with branches in Wagner and Platte, we’re focused on making lending work for our neighbors — not shareholders. Our deep understanding of the communities we serve, including Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties, means we can help you navigate everything from property taxes to local market trends.
More Than Just a Mortgage
Choosing Ft. Randall FCU for your first mortgage means more than just securing financing — it means becoming part of a credit union that’s committed to your financial success. We provide tools and education to help you understand the full picture of homeownership, from budgeting and credit scores to closing costs and beyond.
We’ll Help You:
Review your credit report and improve your credit score
Understand terms and conditions before you sign
Explore home equity line of credit options for future needs
Set up automatic payments to stay on track
Plan for long-term financial goals
Supporting You at Every Step
From application to closing day, FRFCU is your partner in making homeownership a reality. Our team is here to answer your questions, explain the process, and make sure you feel empowered—not overwhelmed—by your mortgage journey because we believe that when you invest in a home, you’re investing in your future — and in the strength of our communities.
Ready to take the first step?
Reach out to our team today and let’s explore mortgage options that make sense for you. At Ft. Randall FCU, we’re not just financing homes — we’re helping build stronger futures, one homeowner at a time.