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Nikki Karna

Blue Ribbon Mortgage

2025 Jackson Blvd Rapid City, SD 57702

Sr. Loan Officer NMLS #1974292 Apply Now

Purchase Quote

Get a free quote to purchase a home in as little as 10 minutes

Start Your Journey

Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

Start Your Journey

Free Consultation

Get a free consultation and speak to one of our loan officers today

Start Your Journey

About Me

I am a South Dakota born and raised small town girl.  I have always had a passion for helping others to achieve their dreams.  I have many established years within the banking industry and am ready to put my skills and knowledge to work for you!  

There are so many factors to consider when purchasing or refinancing a home and it often can be a very overwhelming process.   My job is to make the process stress free and efficient.  I will guide you into the perfect loan program for your financial needs and goals.

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

Free Loan Evaluation

Obtain a Guaranteed Approval

Get Purchase Quote

Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

Calculate Your Savings

Calculate Here 

Get Pre-Qualified Home Refinance

Get Refinance Quote

Improve Your Financial Position


Home Loan Programs

(Conventional, FHA, VA, USDA, Reverse, Jumbo)

Talk With Our Experts


Find Out What You Qualify For







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


Blue Ribbon is the best. They made the process so easy and everything went smoothly. Nikki answered all my questions in a timely manner and was always available. I had avoided buying a house again because I dreaded the mortgage process. Blue Ribbon made me wish I had done it sooner. I highly recommend Blue Ribbon and Nikki. They will take excellent care of you.

Crystal D

Nikki and her team were super friendly and very easy to work with. This time around was so much easier and smoother and we had to sell a house this time instead of being a first time homebuyer. Highly recommend. They go over everything and make sure you understand all the details.

James H

I had an amazing time working with Blue Ribbon. Nikki was very professional and very thorough with my home buying process. I highly recommend her when buying a home.

Kelsey P

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