Routing #: 291480141
From The First Step to Your Front Door, We believe in Your Journey.
We offer convenient loan options for members across our South Dakota and Nebraska field of membership, so your support stays close to home.
Real people helping members understand their options.
From Refinances to Constructions Loans, HELOCs and more!
Guiding you toward the options that best fit your unique needs.
In-house OR Expanded financing options with our trusted partner, CU MORTGAGE DIRECT
Buying or Refinancing isn't One-Size-Fits-All
That’s why Explorers Credit Union is here to guide members through their mortgage journey by offering two powerful paths – in-house lending and expanded options through our trusted partner, CU Mortgage Direct. No matter the path, Explorers remains your trusted guide every step of the way.
- To get started: Explore your mortgage options without upfront application costs.
- Purchase and refinance options: Flexible solutions whether you’re looking to refinance or build. Buying options through CUMortgage Direct.
- Pre-qualification available: Get a clearer picture of what you may qualify for before you begin.
- Guided by a trusted loan officer: Talk with a local lending expert who helps you choose the path that fits your goals.
Home Loans We Offer In-House
These loans are handled directly by Explorers Credit Union, with local servicing and personalized support:
Conventional Mortgage Loans: Ideal for refinancing with competitive rates and flexible terms.
Home Equity Loans : A fixed-rate option that allows you to borrow against your home’s equity—great for major projects or one-time expenses.
Home Equity Lines of Credit (HELOCs) : A revolving line of credit using your home’s equity, offering flexibility for ongoing projects or future needs.
Construction Loans : Designed for members building a new home—from foundation to finish.
Small Land Loans : For purchasing smaller parcels of land, whether for future building plans or personal use.
Not sure which option fits? That’s okay—our team will help you decide.
Expanded Options through our CU Mortgage Direct Partnership
Sometimes a member’s situation calls for specialized programs or broader eligibility options. That’s where our partnership with CU Mortgage Direct comes in.
CU Mortgage Direct helps fill the gaps by offering access to additional loan programs—while Explorers remains your trusted guide throughout the process.
Expanded Loan Programs Include:
• Conventional Mortgages
• FHA Loans
• VA Loans
• USDA Rural Development Loans
• SDHDA (South Dakota Housing Development Authority) Programs
• Second & Vacation Home Loans
• Investment Property Loans
• CHIP Loans
Mortgage loans provided by CU Mortgage Direct. Membership eligibility required. Loans subject to credit approval. APRs are set by CU Mortgage Direct and subject to change. Additional fees may apply.
Ready to Apply?
Simply stop in any of our branches or contact one of our loan officers to get the process started!
What to Bring?
We strive to make your home loan process as fast and easy as possible. Based on your home ownership journey, we created a checklist of the documents you’ll need to bring with you.
Nationwide Mortgage Licensing System (NMLS)
NMLS #
Explorers FCU 408529
Jan Putnam 417554
Andrew Goeden 1914064
Brenda Wiedmeier 786752
Dawn Atkins 1049027
Kelsey Tramp 2768002
Call us today to discuss current rates!
Annual Percentage Rates (APR) are set and are subject to change daily.
All loans are subject to approval. Maximum LTV of 80% of appraised value for terms up to 30 years. APR offered and the amount that the credit union will finance depend on credit score and the amount of equity available. Rates, terms, and conditions are subject to change and may vary based on qualifications, including creditworthiness. Membership eligibility is required. Federally insured by NCUA. NMLS# 408529. Equal Housing Opportunity.
Interested in Different Journey with Explorers?
Where can we take you today?
I'M READY TO BECOME A MEMBER
I'M EXPLORING OTHER LOAN OPTIONS
I NEED TO OPEN A NEW ACCOUNT
I'M INTERESTED IN A SHARE CERTIFICATE
