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American Bank and Trust is a member lender of South Dakota Housing Development Authority.  SDHDA offers low, fixed-rate mortgages options for first-time and repeat homebuyers whose household income falls within certain income guidelines.  They also offer Home Ownership Counseling and down payment/closing cost assistance.

Find lots of great information, tools, and assistance for home mortgages from South Dakota Housing Development Authority.

Features & Benefits of a SDHDA Loan

    • Available For First-Time Homebuyers and Repeat Homebuyers
    • Guarantee Can Be FHA, VA, USDA, or Conventional
    • 3% and 5% Closing Cost/Down Payment Assistance Programs Available

SDHDA Loan Requirements

    • Strict income Limits Based on Household Size and County of Purchase
    • Primary Residence, Single Family, Stick-Built Homes
    • Non-Occupant Co-Borrower Not Allowed

Already know the type of home loan you are looking for?

Find Your Perfect Mortgage Loan Officer

A great home buying experience starts with great home buying partners. Meet your American Bank & Trust mortgage team and discover an outstanding group that truly lives at the intersection of what if and why not?  With AB&T home loan experts, you’ve got neighbors you can always count on.

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*Can be paid off anytime with no pre-payment penalty

Loan rates and terms may vary. All loans subject to credit approval. Contact a banker for further details.

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