Sioux Falls Mortgage Lender
Serving South Dakota since 2016
Fairway Heartland helps South Dakota homebuyers, veterans, and homeowners navigate every loan option, from your first home to retirement.
300+ 5 Star ReviewsLocally rooted teamOne lender, every need
Sioux Falls Mortgage Lender Services: Home Loan Programs
Fairway Heartland offers a full range of home loan programs in Sioux Falls, including Brookings, Tea, Harrisburg, Brandon, and throughout South Dakota. Whether you’re buying your first home, using VA benefits, purchasing in a rural area, or exploring a reverse mortgage, our loan officers match you with the right program.
Conventional Loans
A strong fit for buyers with steady income and good credit looking for flexible terms.
USDA Rural Loans
For buyers looking outside city limits in towns like Tea, Harrisburg, and beyond.
Reverse Mortgage (HECM)
For homeowners 62 and older looking to support retirement with their home’s equity.
FHA Loans
Built for buyers who are still building credit or savings and want a government-backed option.
Jumbo Loans
For buyers purchasing larger or luxury homes in the Sioux Falls area.
Self-Employed Loans
For business owners and independent contractors with non-traditional income.
VA Home Loans
For veterans, active-duty service members, and eligible surviving spouses.
First-Time Buyer / Bond
For first-time buyers who want extra help getting into a home.
Cash-Out Refinancing
For homeowners with equity who want to put it to work.
Heartland Heroes: Exclusive Mortgage Benefits for Those Who Serve
Heartland Heroes helps eligible medical professionals, military personnel, first responders, and educators who serve Sioux Falls save on closing costs.
Credit amounts are combined savings from Fairway Heartland and participating real estate agents and title companies. Agent and title company credits are not guaranteed on every transaction. Restrictions apply.
Why Choose Fairway Heartland as Your Sioux Falls Mortgage Lender?
Plenty of lenders can quote a rate. Fewer can sit down with you in Sioux Falls, offer every major loan type under one roof, and stand behind your closing date. Here is what you get when you work with a local team.
Local Sioux Falls Lending Solutions
| Benefit | The Fairway Heartland Difference |
|---|---|
| Who you work with | A local Sioux Falls team serving South Dakota since 2016 |
| Loan options | Conventional, FHA, VA, USDA, jumbo, self-employed, bond, reverse, and cash-out refinancing |
| Reverse mortgages | Certified Reverse Mortgage Specialists on the team |
| Benefits for those who serve | Heartland Heroes closing cost credits for medical, military, first responders, and educators |
| Closing date | Fairway Cash Guarantee on eligible purchase loans (see terms) |
| Reputation | 5-star Google rating from local homebuyers |
The Fairway Cash Guarantee:
Our Commitment to Your Closing
Close on time, or we pay you $5,000.
At Fairway Heartland, we back our loan process with the Fairway Cash Guarantee. If your purchase loan doesn’t close on time due to a delay on our end, we’ll pay you $5,000. We promise your home purchase stays on track, from pre-approval to closing day.
What Sioux Falls Homebuyers Are Saying
Fairway Independent Mortgage is a great place to obtain a mortgage and to refinance. I have done both and Troy is a trustworthy and good guy to work with and will answer all your questions. Highly recommend checking them out for all your loan needs.
Troy and the team at Fairway were incredible to work with! My wife and I were first-time homebuyers. Troy guided me through the steps to get approved for our first-ever mortgage. He patiently and thoroughly answered all my questions. Even before that, he answered many hypothetical questions I asked about what it would take to get approved. He demonstrated extreme skill and knowledge while personalizing the experience. I wouldn't have wanted to work with anyone else but Troy and his team! I would highly recommend them!
Troy and his team were awesome to work with, they made buying our first home easy and answered every question we had!
Free Mortgage Tools for Sioux Falls Homebuyers
buy vs. rent calculator
Not sure if now is the right time to buy? Run your numbers.
Mortgage calculator
Estimate your monthly payment based on price, rate, and term.
First-time homebuyer guide
New to the homebuying process? Start here.
mortgage tips & Sioux Falls Market Insights
Mortgage Broker vs. Lender: A Sioux Falls Homebuyer's Guide
Wondering whether to use a mortgage broker or a direct lender for your Sioux Falls home purchase? We break down how each model works, what it means for your closing timeline, and why in-house underwriting gives Fairway Heartland buyers a competitive edge.
What documents do you need to apply for a mortgage in Sioux Falls
Getting your mortgage documents organized before you apply can make the difference between a fast close and a delayed one. Here's exactly what Fairway Heartland's loan officers need from Sioux Falls homebuyers, from income verification and asset statements to loan-specific requirements for VA, FHA, and self-employed borrowers.
Choosing A Mortgage Lender in Sioux Falls: What Every Buyer Should Know
The lender you work with shapes every part of the homebuying experience: your interest rate, how credible your pre-approval looks to sellers, your closing timeline, and whether you get the home you want in a competitive Sioux Falls market. Choosing a mortgage lender in Sioux Falls is not just a financial decision. It is a strategic one.
Common Questions for a Sioux Falls Mortgage Lender
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Fairway Heartland offers conventional, FHA, VA, USDA, jumbo, ARM, reverse mortgage (HECM), and first-time buyer bond programs. Our loan officers help you choose the right fit for your situation.
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Start by contacting Fairway Heartland online or by phone. Our loan officers gather your financial information, review your credit and income, and issue a pre-approval letter, typically within 1–2 business days.
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Yes. Fairway Heartland has multiple Certified Reverse Mortgage Specialists (CRMS) on staff, Jeff Buum, Troy Lage, and Nick Kiesow, serving homeowners 62+ across South Dakota.
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Heartland Heroes helps medical professionals, educators, veterans, active-duty military, first responders, and law enforcement in Sioux Falls and Southeast South Dakota save on closing costs. That includes a lender credit from Fairway Heartland Branch 8350, plus credits from participating real estate agents and title companies. Not all buyers will qualify.
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It depends on the loan program. Our loan officers can walk you through which programs you may qualify for based on your financial picture.
Ready to Start Your Sioux Falls Home Loan?
Talk to a mortgage loan officer in Sioux Falls to get clear answers about what you qualify for and what your next steps are.