“Since 1941, Black Hills Federal Credit Union has been dedicated to providing the great success and excellent products you and your family need to succeed,” said Amber Zandstra, mortgage originator with BHFCU serving Rapid City and Spearfish.

For over 82 years, the credit union has helped members purchase vehicles, move into homes, insure assets, start businesses, retire comfortably, and more.

“Black Hills Federal Credit Union has products and services made to fit our members’ unique needs,” said Zandstra.

“I recommend that our members maintain their credit and save for any down payment or closing costs that may arise with their home purchase.” -Amber zandstra

In the past nine years, Zandstra has helped members accomplish their home mortgage goals, ranging from purchasing a new home, refinancing to consolidate debt, to obtaining equity for home improvements.

“I love being able to help members with one of the largest purchases of their lives—their homes,” shared Zandstra. “I enjoy meeting and building friendships with our members. I couldn’t ask for a better career.”

Zandstra shares more about BHFCU’s loan offers, the mortgage loan application process, and tips for first-time homebuyers.

What interested you in becoming a mortgage lender?

My mom worked for a credit union while I was growing up, so I was able to witness everyone she helped firsthand. I knew when I got older, I wanted to do something similar; I wanted to help people and make a difference in their lives. I went to college and graduated with a degree in business and immediately began working in the financial industry.

What type of mortgage loans does BHFCU offer?

At BHFCU, we offer secondary market lending and “in-house” lending. We offer conventional financing, government financing, and partner with the South Dakota Housing Association for the First Time Homebuyers program. Some of our unique products include conventional financing up to 100% LTV, single-close construction loans up to 100% LTV, land loans, and renovation loans.

What advice would you give first-time home buyers?

My best advice is to make sure you’re ready. A mortgage is a commitment, and you must be comfortable taking on the commitment a mortgage holds. Then I recommend setting up an appointment for an in-person pre-qualification. That way the entire process can be discussed from start to finish.

“With my mom, I found it fascinating with all the people she knew from working at a credit union.” -amber zandstra

Where are your favorite local places to eat?

Spearfish has a lot to offer! I love Killian’s Food & Drink, Sawyer Brewing Co., Barbacoa’s, Guadalajara Mexican Restaurant and Bar, Nonna’s Kitchen, and Steerfish Steak and Smoke. When I’m out and about in Deadwood, I love grabbing a bite at either FLYT Steakhouse or Legends Steakhouse.

What can customers expect when working with you & BHFCU?

Homeowners and future homeowners can expect that I’m committed to listening to their needs and utilizing my 12-plus years of mortgage knowledge to ensure a successful and clean mortgage loan transaction. I believe every member deserves the best care and service when purchasing or refinancing the home of their dreams.

For more information, visit BHFCU.COM+
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