Make your next move with us.

Contact us for details and let Keystone Mortgage help you find out if you qualify. This has been considered the best time ever to buy your first home. We will make it simple for you, we do the work, you move into your new home.

Buy or Refinance now while mortgage rates are still low!

Hurry in. Get started the easy way, spend a few minutes and apply online - just click on APPLY NOW

Happy homeowners through experienced staff.

Our customers are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of experience, knowledge, and customer service when it comes to obtaining home financing. Whether you want to refinance for a lower interest rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction that you will want to tell your friends about.

Have questions about mortgages?

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice. We have First Time Homebuyer, Conventional, FHA, USDA, VA, Home Equity Lines, and more to fit your needs!



Whether you are a first time home buyer or purchasing your dream home, The Keystone Mortgage Team will help you find the right financing solutions to meet your needs.


Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!


Mortgage Rates can change on a daily basis. Due to these fluctuations timing is everything. Our team specializes in understanding market trends. We help homeowners determine the right time to purchase or to refinance.


Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!


We can help you lower your interest rate, lower your monthly payment, or take cash out. The Keystone Mortgage team is here to help you with all of your mortgage refinancing needs.


Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!

What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time.

We Offer Several Different Loan Programs To Meet Your Needs.

A smart buyer is an informed buyer.
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other similar financing option, our team of experts will help you find the solution that works best for your needs.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Cash-Out Refinancing

If you have equity in your home, a cash-out refinance can provide you with the money needed for home repairs, debt consolidation, and other various expenses.

The Keystone Mortgage Team

Start your home loan process here!

Keystone Mortgage has been providing superior customer service to homeowners ever since incorporating in Sioux Falls in 1993. With over $60 million in funding each year, Keystone provides not only the very best loan options available to homeowners, but we also provide superior knowledge gained through years of experience. Keystone’s focus is to educate you on the latest financing options, allowing you to discover the loan programs you never knew possible. All of our Loan Officers, Processing Staff, and Management are in Sioux Falls, conveniently located on
1800 S. Summit Ave.


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We lend in most States
NMLS License 408461

Equal Housing Lender

Contact Us

Keystone Mortgage
1800 S. Summit Ave.
Sioux Falls, SD 57105

(605) 330-6033