Dakota West Credit Union
Home Loans | Dakota West Credit Union | Watford City, North Dakota

Home Loans

Start Your Journey Home Today

Buying a home can be exciting and one of the most important decisions you can make. If you’re a first-time home buyer, you probably have more questions each day as you move closer to holding the keys to your home in your hand.

At Dakota West, our home loan officers want to make the experience as close to the American Dream as you have imagined. No matter where you call home, or whether it’s your home-away-from-home, let us help you get the process started today.

Dakota West Credit Union Home Loans help members across North Dakota achieve homeownership with flexible mortgage options and trusted local lending support.

Come Home to Dakota West
with 1% Cash Back Offer

Receive up to $1,000 off your closing costs for a new or refinanced mortgage*.
(Offer excludes HELOC product)

To begin the home mortgage process, call to speak with a loan officer at 800.411.7590, or visit your nearest branch.

*$1,000 Off Closing Costs offer valid on new home mortgages or refinanced home mortgages.  The actual amount of the offer is based on 1% of the amount financed up to a maximum amount of $1,000.00. If refinancing an existing Dakota West mortgage, a minimum of $5,000 new money is required to receive the offer.
Rebate will be credited to member within 30 days of loan disbursement.  The loan must remain with Dakota West for a minimum of 180 days or the rebate amount will be added to the loan upon payoff.  No other offers or discounts apply, including rate discounts.  Minimum mortgage amount is $20,000.  Dakota West reserves the right to amend, suspend, or discontinue this offer at any time.
APR = Annual Percentage Rate.  All rates advertised are based upon the borrower’s qualifications and the loan amount.
Equal housing opportunity.

Home Equity Line of Credit

Put your home’s equity to work for you! Access cash when you need it and get the flexibility to use funds over time.
As a homeowner, you can leverage the equity in your home into a low-rate Home Equity Line of Credit from Dakota West Credit Union.

  • Cash for any reason (See options below)
  • Ongoing access to available credit
  • Primary or secondary homes eligible
  • 20-year amortization with a 10-year draw period
  • Minimum loan amount of $10,000; Maximum loan amount $250,000
  • No pre-payment penalty

Your HELOC is perfect for ongoing expenses and can be used for things like:

  • Home renovations
  • Educational costs
  • Start-up business expenditures
  • Medical expenses
  • Unexpected expenses
Apply Online

Conventional Mortgage Loans

Explore options for mortgage insurance if you finance more than 80% of the home’s value, decide whether a fixed or adjustable interest rate suits you best, and work with your loan officer to choose repayment terms that fit your budget.

Apply Online

Federal House Administration Loans

We work with homebuyers and the FHA to help finance your home with federally insured loans that can cover up to 96.5% of the purchase price, include government-issued mortgage insurance, and feature fixed interest rates.

Apply Online

Veteran Administration Loans

Qualified service members and veterans can receive a VA loan guarantee to finance up to 100% of the home’s purchase price, with fixed mortgage rates and a portion of the loan backed by the VA.

Apply Online

New Home Construction Loans

Dakota West Credit Union offers new home construction loans to finance land, labor, materials, and permits. Funds are disbursed in installments during construction, with a final conversion to a permanent mortgage once completed. Strong credit, a solid debt-to-income ratio, and a detailed plan are required for approval.

Apply Online

Manufactured Homes

Explore mortgage insurance options if you finance more than 80% of the home value, decide between a fixed or adjustable interest rate, and discuss repayment options with your loan officer to find a plan that fits your budget.

Apply Online

Helpful Mortgage Information

Some helpful resources for home mortgage applicants.
*Interest rates, APR, and fees advertised are based upon the borrower’s qualifications and the loan amount, and will be determined while working with your Dakota West loan officer.

Home Financing Solutions for North Dakota Homebuyers

Dakota West Credit Union Home Loans are designed to make homeownership more accessible for individuals and families across North Dakota. Whether you are in Watford City, Bowman, Grenora, Mohall, New England, New Town, Turtle Lake, or Washburn, our mortgage solutions provide the support you need to buy, build, or refinance a home with confidence. We understand that every homebuyer’s journey is different, and we are here to guide you through each step with personalized service.

As a trusted local credit union serving communities since 1941, we are committed to helping members find affordable and practical home financing solutions. Our lending team focuses on clear guidance and dependable support so you can make informed decisions about one of life’s biggest investments. From first-time buyers to experienced homeowners, we help turn homeownership goals into reality.

Dakota West Credit Union Home Loans include financing options for home purchases, refinancing, construction loans, and home improvement projects. Apply for a Home Loan with Dakota West Credit Union and take the next step toward owning your home. Visit your nearest North Dakota branch or contact our lending team to get started today.

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