About Black Hills Mortgage
Black Hills focused and on your side. When you are buying or refinancing, we connect you with a local licensed mortgage lender for a free, no-obligation pre-approval.
- Free Pre-Approval
- Local Licensed Lenders
- VA Loan Experts
- No Cost to Get Matched
Who We Are
Black Hills Mortgage is a free, locally focused service that connects buyers and homeowners across Rapid City and the Black Hills with a local licensed mortgage lender. We are not a lender, and we do not make loans. When you are buying a home or thinking about a refinance, the hardest part is often knowing which loan officer to trust. Our job is simple: listen to what you are trying to do, then connect you with a local licensed loan officer in South Dakota who handles loans like yours, at no cost to get matched.
We are not a national call center routing your file to an out-of-state desk, and we are not a bank with one product to sell. We focus on the Black Hills, and we connect you with lenders who know this region's property quirks: the canyon and mountain homes near Spearfish and Hill City that cross conforming limits, the rural acreage around Wall and Hermosa with well and septic, and the PCS timelines that drive Ellsworth Air Force Base moves in Box Elder.
Our service area covers the full Black Hills region: Rapid City, Box Elder, Ellsworth AFB, Black Hawk, Summerset, Piedmont, Spearfish, Deadwood, Lead, Hill City, Custer, Hermosa, Hot Springs, Belle Fourche, Wall, and Sturgis. We connect buyers for purchase loans, VA loans, first-time buyer programs, refinances, and jumbo loans. Whatever you are financing, the first step is the same: a free, no-obligation pre-approval conversation.
Getting matched is free, with no obligation, and we treat every buyer the same, in the spirit of Equal Housing Opportunity. We cannot promise a specific rate or approval, and no honest service would, because every file is different, rates vary daily, and every loan is subject to credit approval. What we can promise is a fast, respectful connection to a local licensed loan officer who will lay out the real numbers clearly. Call (605) 555-0800.
What Sets Us Apart
- Free pre-approval with no cost or obligation to get matched
- We connect you with local licensed South Dakota lenders, not a national call center
- Lenders who know Black Hills property quirks and VA loans for Ellsworth AFB families
- Focused on Rapid City and the full Black Hills region
Our Story
We started Black Hills Mortgage because buyers in the Black Hills deserve a straight path to a local lender they can trust. When you are shopping for a home in Rapid City, buying near Ellsworth on PCS orders, or financing a canyon property outside Spearfish, the wrong lender can mean a teaser rate that balloons with fees or a closing that falls apart in week three. Too many buyers end up with an out-of-state call center that does not understand local property. We built this service to close that gap.
We are committed to doing right by every buyer we help. That means a free pre-approval with no obligation, honest answers about what you qualify for, and a fast connection to a local licensed loan officer who handles your type of loan. We do not guarantee a rate or approval, and we are upfront that the lender, not us, underwrites your loan and that every loan is subject to credit approval. Fast, honest, and local is the entire promise, and it costs you nothing to start.
- Locally OwnedFull coverage
- Our GuaranteeFree, No-Obligation Pre-Approval
- Fast ResponseCallback within 1 hour
- Local CrewServing the Black Hills region
See Why Rapid City Buyers Start Here
Free pre-approval. No cost to get matched. We connect you with a local licensed lender.