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Steven Gates

Blue Ribbon Mortgage

2025 Jackson Blvd Rapid City, SD 57702

Licensed Mortgage Originator NMLS #1549735 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

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About Me

I'm proud to say I'm Rapid City born and raised. This community has been my home all my life, and I want to work with each and every person here to make it better for all of us. I pride myself on being loyal to this community and working with honesty, trust, and integrity. Everyone wants their family to be safe and happy, and a home is the biggest step to achieve that. We can work together to make sure that your home is also the right financial asset for you and your plans for the future. We don't just provide you with a mortgage; we use our expertise and the experience of our crew to get you the perfect loan for your best interests. I have a background from School of Mines, experience as an engineer with two degrees, and a finance and accounting certification from Harvard Business. I'm not afraid to dig in deep to the numbers to make sure we're making the right decision.   I'm confident I can use my education and work experience to help you learn along the way, making sure you understand and are comfortable with your loan. If you're already financially savvy, I'm more than happy to talk raw numbers and work with you to make sure our numbers fit your plans. If you're just curious about home lending, or are ready to buy a house and take the next big step of your life, let me help you. Call today on my cell, (605) 391-0707, or at the office, (605) 343-8087.

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)

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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. Steven 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 Steven. They will take excellent care of you.

Ryan P

It’s rare to have a professional have such a relational approach. This is one of the reasons that Steve stands out. He didn’t miss anything, too. You need to add him to your team. You won’t be disappointed.

Nathan C

We had a great experience with Steve and and the Blue Ribbon team!!! Everything was laid out for us and easy to understand. Thanks guys!!

Kelsey T

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