Current Mortgage Rates
These rates are updated periodically by Aspen Mortgage and may change without notice. Mortgage rates are influenced by market conditions and your individual financial profile.
Product
15-Year Fixed
20-Year Fixed
30-Year / 5-Year Balloon Loan
Land Loan
Landscaping Loan
HELOC Loan
Rate
As low as 4.99%*
As low as 5.25%*
As low as 5.50%*
As low as 5.50%*
As low as 8.00%*
As low as 6.75%
APR
X.XXX%
X.XXX%
X.XXX%
X.XXX%
X.XXX%
X.XXX%
Notes
Traditional long-term stability for your home
Build equity faster with lower long-term interest
Flexible requirements for first-time buyers
Exclusive benefits for Veterans & Service Members
Zero down payment for eligible rural areas
Lending solutions for higher property values
Contact Aspen Mortgage for the most up-to-date personalized information. Final interest rates and APRs depend on individual loan characteristics, credit profile, and market factors. * Not all applicants will qualify for the lowest rate.
Market Dynamics
Broader economic conditions, including inflation and federal policies, shift the landscape of available rates on a daily basis.
Your Profile
Factors such as your credit score, total down payment, and debt-to-income ratio create the private foundation of your specific rate.
Understanding Your Mortgage Rate
Securing a home loan in the Black Hills is a personal journey. While public rates provide a baseline, your final figure is a reflection of current market trends, property specifics, and your unique financial history. We believe in providing the education you need to navigate these choices with calm confidence.
Loan Programs
Whether you choose a conventional, FHA, or USDA loan, each program carries its own unique pricing and benefits structure.
Dynamic Changes
General guidance figures on this page vary from personalized quotes due to daily timing and specific loan-to-value targets.
Talk About Today’s Rates
The Aspen Mortgage team is here to review your specific financial goals and provide current options. We believe every neighbor deserves a personalized look at their numbers to find a path that fits their lifestyle in the Black Hills perfectly.
Reach out today for a personalized conversation about your home financing journey and stay current with the latest available options.