Refinance

REFINANCE

We geek out on figuring out how to make the home loan you have better. The reasons people refinance are as diverse as the clients we serve.

“They were amazing to work with and truly care about your needs. Best team I have ever worked with!” -Troy

Apply Online Now!

Portrait of a Happy Family — Sioux Falls, SD — Plains Mortgage

Here are a few of the top reasons to refi:

Lower your rate – interest rate markets are constantly changing. Refinancing to a better interest rate could save you some serious money.
Shorten your term – most people opt for a 30-year mortgage option, but there are shorter terms available, and people are often floored by how muh a shorter term can save them.
Consolidate debt – credit cards, student loans, personal loans, etc. – the normal demands of life can sometimes leave you feeling overwhelmed with payments. Consolidating your debt into your mortgage may be a great way to feel like you are back on top of things.
Finance home improvements – we have financed everything from basements to pools to outbuildings. If it improves the value of your home, we can help you make your project a reality.
Get cash – debt consolidation and home improvements aren’t the only reasons our clients have to access the equity they have in their home. We have flexible options to meet a wide variety of financing needs.

Ready to Begin?

Apply Online Now

"Kevin Carlson goes above and beyond anyone we have dealt with in the banking industry. He always gets back to us right away and tells us what going on. He is amazing!"

- Sheri

Button
"Fun and positive energy. Kevin and his team are fabulous!"

- Lori

Button
"We heard a lot of good things via coworkers and friends about Plains. They were right!"

- Lamonte

Button
"Great communication. Kevin is the man!"

- Ian & Lisa

Button
"Everyone was very prepared for each step of the process. They made buying our first home quick, easy, and simple. Every member of Kevin’s team was fantastic and always willing to answer any questions."

- Jacki

Button
"The loan process was so easy. Love their team!"

- Cora

Button
"Kevin Carlson is the best mortgage banker we have ever had!"

- Lance

Button
"We liked everything about Plains Commerce Bank. Reliable and Kind."

- Corey

Button
"Kevin & his team were awesome to work with. This was my first experience purchasing a home and he helped every step of the way. I also refinanced with them, and they were awesome to work with again. He will go above and beyond to make sure you get the best deal, and feel completely comfortable about it! I highly recommend the Plains Commerce team to help with your purchase!"

- Tanner S.

Button
"Kevin is the first mortgage officer that actually explained and educated us on the process and actually asked what our goals were with our house. He got to know us on a personal level and truly found the best solution for us. Would highly recommend at least visiting with him and his team of experts if you are considering purchasing a home or refinancing."

- Justin S.

Button
"Kevin and his dedicated team work around the clock to helping answer any questions I had throughout the process. They made it a breeze with finding out how much I could afford and helping with what month to month costs would be. Highly recommend working the Kevin Carlson Plains Commerce Team, I would do so again in a heart beat!"

- Nate S.

Button
"Kevin is seriously the BEST! I have been working with him on a professional level for a few years now and it was a no brainer to go to him when I decided to buy my first home! He made it so so easy!! Not only that but a few months ago Kevin and his team reached out to me and found me a HUGE savings on my refinance! Kevin is the man! Thanks Kevin!! 😊"

- Demi F.

Button
"Kevin and his team are the best in town! As a first time home buyer, he was able to answer all my questions in a way that was easily understandable to me. He and his team were genuinely invested in me and the whole process! I highly recommend Kevin!!"

- Jada V.

Button
"Kevin Carlson and his team are the absolute BEST! They are quick to respond to questions (even if you have a lot of them!) and work hard to make sure things get done right and on time!!"

- Joni K.

Button
"The service that has been provided by Kevin and his team are the best that I have ever experienced. Process was clear with regular updates and I received immediate responses from any questions that I had. I have used them twice for my financing needs and would highly recommend Plains for any of your's!"

- Gary K.

Button
"Kevin and his team at Plains Commerce were an absolute DREAM to work with from START to FINISH! They were knowledgeable, attentive, relational, and excellent in communication.They made the entire refinance process an easy venture and we are beyond grateful for their time and expertise. We would ABSOLUTELY recommend Kevin Carlson and his team to ANYONE looking to refinance!"

- Tera E.

Button
"Kevin and his team were awesome! They helped with every step of the home buying process and made it super easy. I felt comfortable throughout the entire thing."

- Emma L.

Button
"Warm, friendly and professional service. Made us feel special and appreciated for our business! Would highly recommend anyone to take their business here."

- Robert L.

Button
"Working with Kevin was a pleasure everything he said did happen it was prompt he was courteous no glitches I was impressed."

- Glenn A.

Button
"Kevin and his team are AMAZING!!! Hands down the best in the area! 😁"

- EB C.

Button
"Kevin is a blast to work with! He made sure to go over all the details and answer all of our questions in a way we understood! Would highly recommend."

- Jasmyn D.

Button
"Kevin and his team were nothing short of amazing! Each step and question were handled so quickly and didn’t leave you guessing! The ease of a complex process is what you need when working full time, raising children and trying to buy a home. I will continue to recommend Kevin to anyone I chat with about buying a home and will use him in the future for sure."

Kristen R.

Button
"I have worked with Kevin for over 20 years. I always appreciate Kevin's quick and thorough work on my behalf--whether that's refinancing my mortgage, referring me to another individual within the company to help me, or just answering my questions. Kevin's attention and commitment to his customers ALWAYS extends well beyond the closing of the transaction."

- Kristi D.

Button
"We have worked with Kevin and his team a couple of times and have always been very well taken care of. They really care about finding the best mortgage solution that will work for you. Highly recommended!!"

- Mark V.

Button
"Very easy process to refinance and would recommend Kevin and his team to anyone looking to refinance their home!!!!"

- Dennis C.

Button
"Wonderful experience, ALWAYS! Professional, timely, considerate service. A pleasure to work with all team members."

- Diane H.

Button
"Incredibly professional, and they genuinely care about the well-being of the customer. I wouldn't recommend anyone else!"

- Thomas W.

Button
"Kevin was amazing to work with. I highly recommend him!"

- Melanie F.

Button
"Kevin was a great help when buying our first home, he made the process very easy and was fun to work with! He was also helpful when deciding whether we should refinance our home or not."

- Caleb V.

Button
"Kevin is amazing to work with. He has a passion for what he does and it comes across to his clients through his dedication to service. We have always appreciated his knowledge and he made the tedious process of buying our house so much easier. I recommend him to everyone."

- Obsessions O.

Button
"Courteous, professional, listens and answers questions with knowledge and confidence. He has a great team as well. They are friendly and professional also."

- Cindy B.

Button
"Kevin is outstanding to the point and straight forward! He also does not push you out of your comfort zone and will do his best to work off of your needs/wants!"

- Taylor

Button
Slide title

"They have been Excellent, great communication. Personally I’m working with Kevin and so far he has been the best good listener, he definitely listen to you on what you need, what you looking for and he even recommends what’s best for you and what’s not."

-Melida

Button
Slide title

"Kevin has been awesome to work with! As first time home buyers, Kevin has made sure to walk us through each step and is always available for questions!"

-Bailey

Button

Contact

605.359.9463

kcarlson@plainscommerce.com

Meet Kevin Carlson

Mortgage banker, husband, dad and marching band dude – Kevin does it all. On top of coaching award-winning marching bands and driving his kids to events, Kevin has been helping people find the best home loans since 1997. He is not only knowledgeable of the mortgage industry, but has a serious knack for making the complex simple; a trait his customers have grown to love him for. Whether you are financing your third home or buying your first, give Kevin a call with any home financing questions.