Trusted VA & Military-Friendly Lenders

If you’re PCSing to Ellsworth AFB or relocating anywhere in the Black Hills, having the right local lender makes all the difference. These two professionals have helped many of my military clients use their VA benefits with ease—making the process faster, smoother, and less stressful for everyone involved.

Josh Campbell – CMG Home Loans

Josh specializes in working with VA buyers and understands the ins and outs of military relocation. With CMG Home Loans, he provides consistent communication, quick turn times, and a deep understanding of how to structure VA loans to benefit you.

Phone: (605) 787-8866
Email: jlcampbell@cmgfi.com
Website: Visit Josh's CMG Page

Why I recommend Josh for military buyers:
CMG is a direct lender, which means your loan usually stays with them even after closing—something that matters when you're moving or refinancing down the road. Josh also offers a low closing cost system and a powerful credit rescore program that can help you qualify more easily. If you want a lender who truly understands VA loans, Josh is a solid go-to.

Trent Gonzalez – Affiliated Mortgage

Trent is an experienced loan officer with a military-friendly mindset. As a mortgage broker, he shops multiple lenders to get the best rate and program for your specific situation. For military families with unique timelines or needs, that flexibility goes a long way.

Phone: (605) 209-2444
Email: trent@affiliatedsd.com
Website: Visit Trent's Affiliated Page

Why I recommend Trent for military buyers:
Trent is a broker, which means he can compare multiple lenders to help you find the best VA loan option available. That means more competitive rates, better terms, and potentially lower payments. If you want someone who will customize your loan to fit your move, Trent’s a great fit.

Frequently Asked Questions

Do I have to use a local lender?
No—but I strongly recommend it. Local lenders understand Black Hills properties, water sources, VA appraisal conditions, and don’t ask for unnecessary inspections that delay your PCS timeline.

Should I get pre-approved before house hunting?
100%. Especially with VA loans, getting pre-approved helps us lock in your eligibility, shows sellers you're serious, and lets us hit the ground running when the right home pops up.

Trusted VA & Military-Friendly Lenders

Josh Campbell – CMG Home Loans

Trent Gonzalez – Affiliated Mortgage

Frequently Asked Questions

Military Relocation to Rapid City | PCS to Ellsworth AFB | Henry Roy Ulrich, MRP® - Brokered by Ascend Realty

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