Fairway Heartland: Your Trusted Mortgage Lenders in Sioux Falls, SD

Learn About Loan Programs

Medical Professionals

Sioux Falls nurses, doctors, and healthcare workers may qualify for closing cost discounts through our Heartland Heroes mortgage program.

*May not be redeemed for cash. One discount of $500 on closing costs per loan. Discount will be applied as a lender credit on a closing disclosure at closing. Loan must close and fund with Fairway Heartland Branch 8350. Special incentive offer subject to change without notice. This offer not valid with any other incentives or discounts. Borrower is responsible for the down payment. No part of credit can apply to or offset downpayment.

Learn About Heartland Heroes

Military Personnel

Active duty, veterans, and military families in South Dakota, the Heartland Heroes program offers exclusive mortgage closing cost benefits

Learn About Heartland Heroes

Law Enforcement

First responders and law enforcement officers in the Sioux Falls area may be eligible for closing cost savings with Heartland Heroes.

Learn About Heartland Heroes

Your Home Purchase Decision Starts Here

Trusted Mortgage Lenders in Sioux Falls, SD

Not sure whether to buy or rent? Our local loan officers will walk you through the numbers and help you make the right call.

Compare Rent vs. Buy

Use Your Home Equity: Cash-Out Refinancing*

Access the equity in your home to consolidate debt, fund renovations, or cover major expenses, your Sioux Falls loan officer can show you how.

*By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Copyright©2022 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity.

Explore Cash Out Refinancing

Medical Professionals

Sioux Falls nurses, doctors, and healthcare workers may qualify for closing cost discounts through our Heartland Heroes mortgage program.

Learn About Heartland Heroes

Military Personnel

Active duty, veterans, and military families in South Dakota, the Heartland Heroes program offers exclusive mortgage closing cost benefits

Learn About Heartland Heroes

Law Enforcement

First responders and law enforcement officers in the Sioux Falls area may be eligible for closing cost savings with Heartland Heroes.

Learn About Heartland Heroes

Your Home Purchase Decision Starts Here

Trusted Mortgage Lenders in Sioux Falls, SD

Not sure whether to buy or rent? Our local loan officers will walk you through the numbers and help you make the right call.

Compare Rent vs. Buy

Use Your Home Equity: Cash-Out Refinancing*

Access the equity in your home to consolidate debt, fund renovations, or cover major expenses, your Sioux Falls loan officer can show you how.

Explore Cash Out Refinancing

Heartland Heroes: Mortgage Benefits for Those Who Serve

The Heartland Heroes program from Fairway Heartland offers closing cost discounts to eligible borrowers in Sioux Falls and Southeast South Dakota who serve as medical professionals, nurses, veterans, active military members, or law enforcement officers. If you work in one of these fields, you may qualify for exclusive savings on your home loan. Contact our local loan officers today to find out if you’re eligible.

Home Purchase

Home Refinance

Contact Us

Fairway Heartland is a trusted mortgage lender serving Sioux Falls and Southeast South Dakota. Our experienced loan officers and Certified Mortgage Advisors provide clear guidance, tailored mortgage solutions, and a home loan experience. With deep local roots and national lending strength, we help home buyers make confident finacial decisions.

Many home buyers searching for the best mortgage lender in Sioux Falls choose Fairway Heartland for our expertise, clear communication, and proven loan process.

Home Loan Programs for Every Sioux Falls Buyer

Fairway Heartland offers a full range of home loan programs in Sioux Falls and Southeast South Dakota, including conventional loans, FHA loans, VA home loans for veterans, USDA rural loans, and jumbo loans. Our loan officers help you find the right fit for your financial situation and homeownership goals.

Mortgage Benefits for Heroes in Our Community

The Heartland Heroes program, exclusively from Fairway Heartland, offers closing cost discounts to eligible borrowers in Sioux Falls and Southeast South Dakota who serve as medical professionals, nurses, veterans, active military members, or law enforcement officers. If you work in one of these fields, you may qualify for exclusive savings on your home loan. Contact our local loan officers today to find out if you’re eligible.

Proudly Serving Sioux Falls and Southeast South Dakota

We proudly serve home buyers across Sioux Falls, Harrisburg, Tea, Brandon, and throughout Southeast South Dakota.

Why Sioux Falls Home Buyers Choose Fairway Heartland

As a locally rooted mortgage lender in Sioux Falls, Fairway Heartland combines the strength of a national lender with the personal service of a community team. From your first pre-approval to closing day, our experienced loan officers guide you through every step of the home buying process. Whether you’re a first-time homebuyer, a veteran using your VA benefits, or looking to refinance, we have the home loan solution for you.

The Best Mortgages. The Happiest Customers.

Alicia Halvorson

02:14 08 Feb 26

I can't say enough about this team. Ann was always there for me. Through there communication. Our buying was so very simple and stress free. Always answers the phone when I needed some questions to be answered. Anyone thinking of buying a home? Please please use this highly recommended mortgage company. Definitely the place to go. Thank you all so very very much

Caleb Nelson

13:00 12 Jan 26

I had referred a friend to Jeff. My friend had nothing but great things to say after the sale was finished. I’m so thankful that I can send friends and family to such a trusted and reliable group that will be sure to put the clients needs first and foremost. Aside from that, the amount of support and generosity that they give back to the community is unmatched. 5/5 stars for Jeff and the amazing team at Fairway. Thank you!!

John Dough

16:05 29 Dec 25

Jeff was very knowledgeable & willing to tell me how the mortgage side of being a buy works. He was very easy to work with & made the transaction very smooth & stress free.

Nathan Kuehl

20:21 16 Dec 25

Troy sat down with me one Friday afternoon and explained each of my options in detail which helped tremendously. He also would answer my calls whenever I needed a question answered. His team was also super helpful and kind making sure that i I was providing them with all the Information they needed to process my application.

Brian

18:40 01 Dec 25

Chase made this whole process easy, especially for me and my wife buying our first home. He came highly recommended and now I understand why. I will be recommending him to anyone I know who is looking at buying a home.

Mark

14:19 25 Nov 25

From the minute of our first phone call, Chase made it clear that he was excited to help us get into the home that was best for us! Chase went above and beyond in communicating with us as his clients, taking the time we needed to feel comfortable getting into our home. We had a lot of extra questions, concerns, and pivoting that did not catch him off guard at all. Chase is very much concerned with serving his clients to the best of his ability, walking with us through a long home-buying process. We couldn't imagine working with someone else!

Bryan Anfinson - Hegg Realtors

21:13 17 Nov 25

I’ve worked with Nick Kiesow at Fairway Mortgage on several transactions, and he’s been excellent to work with. Nick is a very bright, knowledgeable lender who brings a lot of experience and insight to the table. He’s professional, responsive, and always looking out for his clients’ best interests. I highly recommend Nick to anyone needing a reliable lender.

Bailee Jurgens

15:46 15 Nov 25

Chase and his team were wonderful to work with from start to finish. As a first time homebuyer, the whole mortgage loan process seemed overwhelming, but Chase walked me through it and answered all of my questions. Communication was top notch and they always kept me informed on deadlines and important info! Would recommend Fairway for your mortgage loan needs.

Shy-Ello Mosley

14:32 09 Nov 25

Had a wonderful experience, everyone was super helpful answering questions and keeping us updated. They even have a layout of what to come next. Even with working with others in the department everyone was on the same page and didn't feel like I was re-answering questions. They made it effortless on my behave 10/10 would recommend if your looking for a mortgage company that actually cares or if you have someone in mind.

Allison Mosley

13:58 09 Nov 25

We worked with this company to buy a house. It took awhile to close and even had one house fall through. Through all of it they were extremely helpful, kind, and fast to answer any questions or fix any problems. They were friendly, professional, and knowledgeable. It was a great experience that made home buying a lot less stressful.

Tom Holmlund

15:56 04 Nov 25

I wouldnt trust anyone more than I trust Troy. He will always tell you the truth and he wants to help you make the right decision for your specific situation. His first concern is for his clients' well being. And he has a great team!

Shaun Streyle

15:28 09 Oct 25

Troy and his team are second to none when it comes to trusting a banking institution that will walk you through and give you all the information you need to make the best decision for your family. They treat you like a friend and human, and not just another checked client box. So many details that are not easy to understand. Troy and his team will patiently walk you through each step. I have the highest regard for their professionalism.

Eric Hanenberger

18:27 08 Oct 25

We had a wonderful experience with Fairway. They handled all big and small questions and were always on top upcoming deadlines, benchmarks, updates, etc. They really put us at ease during the whole process.

Trent Wilcoxon

13:32 01 Oct 25

Troy and team are great to work with! The loan process from start to finish was top notch. Would recommend to anyone looking for a home loan!

Grant M

14:53 19 Sep 25

Fairway was absolutely incredible to work with. Their patience, knowledge, and professionalism are unmatched. Ann made the entire home buying process smooth and enjoyable. Would highly recommend them to anyone and everyone.

Alexander Motu

13:09 21 Aug 25

As a first-time home buyer, Troy and the team were incredibly patient and respectful. Their local expertise helped make the process as straight forward straightforward as possible, while looking out for our best interests.

Sharoon Samuel

00:09 29 Jul 25

We had a great experience working with Troy Lage and his team. He was incredibly easy to work with, very attentive to detail, and always communicated clearly throughout the entire mortgage process. His team was also fantastic—supportive, responsive, and on top of everything. Loan fees and closing costs at Fairway were significantly lower than every other lender we looked at in Sioux Falls. Would highly recommend him if you're looking for a smooth and stress-free mortgage experience

Courtney Slaba

14:59 15 Jul 25

We had a great experience working with Troy. Everything was smooth, transparent, and timely from start to finish. He was always available to answer questions and made the entire process feel stress-free. Highly recommend!

Jordan Merritt

21:34 09 Jun 25

Chase was wonderful to work with from beginning to end. As first time homebuyers we really appreciate how easy he made the process and how well he explained everything. He's great at what he does and is just an all around great guy. We highly recommend him if you're looking to buy your next home! - Justin and Jordan

Taylor Rames

13:02 07 Jun 25

Marga Albrecht

15:10 06 Jun 25

Great experience

00:07 05 Jun 25

15:54 03 Jun 25

13:50 03 Jun 25

12:35 30 May 25

Nick was really great to work with very professional. He made the whole process feel like such a breeze. It was super easy through the entire thing. He always kept us updated which was great and was always quick to respond to us with any answers to the questions that we had.

Kayleigh Thorson

13:46 29 May 25

Friendly staff and easy document uploads.

Nathan Alexander

12:09 26 May 25

Great people who go above and beyond to facilitate your needs

Nathan Alexander

20:19 21 May 25

JULIE WILSON

15:03 05 May 25

Amy Stockberger

15:28 02 May 25

I’ve had the pleasure of working with Troy Lage and his team at Fairway Independent Mortgage Corporation – The Heartland Branch for years now, and I can say without hesitation that he and his team are some of the most professional and reliable loan officers in the business. They bring a calm confidence to every transaction, which is incredibly reassuring for both clients and agents. Responsive, detail-oriented, they always go the extra mile to ensure buyers fully understand their options and feel confident in their decisions. Their ability to simplify complex situations and keep the process moving smoothly is unmatched. What I appreciate most is their consistency—year after year, Troy and his team show up with integrity, excellent communication, and a true dedication to helping people achieve homeownership. If you're looking for a top-tier lender shop, look no further than Fairway!

12:24 04 Apr 25

04:30 03 Apr 25

17:58 28 Mar 25

14:15 28 Mar 25

Chase was fantastic! He kept us informed every step of the way, ensuring everything was in order and providing timely updates on interest rates throughout our building process. The entire experience was seamless, and we’d recommend him to friends and family!

Cory Ims

21:33 25 Mar 25

Chase and his team were awesome! Great communication throughout the entire process. Thank You!!

Rickie Bohlander

02:55 22 Mar 25

Chase and his staff were very prompt and professional in every aspect of handling our mortgage through the process

Mark Peterson

18:55 21 Mar 25

Chase Lage and his team are a great asset to Fairway. He had my complete confidence from the very beginning and did a fantastic job with the loan for my new home.

Deede V

12:56 09 Mar 25

Highly recommend Nick & team at Fairway Mortgage They are knowledgeable, professional and genuinely care that the experience is positive. They provided close attention to detail and prompt responses to all aspects of the transaction from first inquiry to closing.

Thomas Fiedler

13:55 10 Feb 25

Alexis Escott

16:38 07 Feb 25

Allison Erickson

14:52 05 Feb 25

Chase and his team were amazing to work with! Coming from out of state and with a unique work history, I was nervous about the home-buying process this time around. However, he made the process as smooth and stress-free as possible. He always communicated extremely well and was very kind. Highly recommend!

Tyler Fogelson

23:46 15 Jan 25

Santiago Escobar

04:30 14 Jan 25

Excellent, professional and also brilliant, I ended up buying a house without a down payment, everything was super clear and honest, by far the best experience for buying a house

13:19 26 Dec 24

22:52 04 Dec 24

02:21 03 Dec 24

15:24 28 Nov 24

Wonderful team to work with! They were so helpful and knowledgeable. I would 100% recommend.

Hilary Buryanek

14:04 25 Nov 24

I was very pleased working with Chase and his team, and I would gladly use Fairway Mortgage again. They made the home-buying process as smooth and seamless as possible!

Krista Hunstad

03:55 18 Nov 24

Ann was very responsive, explained all of our options and left no questions unanswered. It was an overall great first home buyer experience!

Moses Mandujano

14:31 16 Nov 24

Joshua Crownover

13:50 15 Nov 24

Fairway made our process of buying a home much easier and made us feel as if we were borrowing from family. As first time home buyers we were scared and stressed but couldn’t have been happier of the position that Troy and Fairway put us in. Couldn’t be happier with our experience.

Amber Hartman

23:41 14 Nov 24

Keaton Lenderts

18:51 11 Nov 24

G S

17:03 11 Nov 24

It was so simple, no stress transaction! The staff was very helpful and friendly.

Mark Andersen

14:54 06 Nov 24

Chase kept on top of the rates and notified me when they were best to refinance. Made the process easy.

Mike Moss

12:10 01 Nov 24

Great! Was always patient with my questions and answered them thoroughly! Very kind and personable

Eric Hunstad

14:29 31 Oct 24

Keoni Bills

21:59 16 Oct 24

I worked with Nick to purchase my first home and he really was great at communicating and explaining everything to me. He made me feel confident in the options I had and worked with me for the best possible outcome.

Brett Grevlos

15:18 15 Oct 24

Troy and his team made the entire process smooth and easy to understand. Great group of people. 10/10 would recommend.

Cheryl Lindgren

13:13 14 Oct 24

John Law

14:30 10 Oct 24

Great people and place to work with, very knowledgeable on everything

Sandik Pratt

04:44 07 Oct 24

Thank you Troy for letting us share our much appreciative work you all did to help us through the VA loan. It was tougher to do this long distance and thank you so much for helping us do so with emails and phone calls. We couldn't be more grateful. It was a real pleasure working with you and will always pass on our gratitude to others when the opportunity arises. Such a pleasure working with all of you. Thanks much. Sandi & Barry

Mike Langston

12:22 06 Oct 24

Troy and staff were very friendly. They were extremely detailed and thorough!

Amy King

17:29 05 Oct 24

Chase is great. Very knowledgeable and honest about every situation. Very patient with all of our questions and really does seem to want what’s best for his clients!

Tyran Wollman

15:43 03 Oct 24

Wonderful people to work with, and fast to respond and help with any concerns you have.

Seth Vangelder

16:12 02 Oct 24

Jeff made my home buying process very seamless, 10/10 recommend using Fairway if you’re looking purchase a home!

Daniel Williams

16:11 09 Sep 24

Troy is great! He knows the markets, trends and the VA process! Highly recommend to Veterans, as well as the general public.

Jamie Moser

21:39 03 Sep 24

Nick is amazing at what he does. Answered all our questions without treating us like we were dumb for being first time homebuyers and not knowing a lot about buying a house

sakina riziki

17:21 02 Sep 24

It was very nice working with you guys, everything was clear and understandable. The communication we had was very great I’m so happy that we got this house. Thank you so much for helping and for your kind.

Chris Kleinschmit

15:03 01 Sep 24

Can’t say enough about Troy on how good of job he does in the home loan business! He is extremely knowledgeable in VA home loans and that was very reassuring during this process since i went with that type of loan. Him and the team at Fairway Bank definitely do a great job!

McClain Botsford

20:59 30 Aug 24

Chase with Fairway was beyond knowledgeable and helpful. He took time to answer all our questions - whenever they came up. Chase and his team were beyond exceptional and made the house buying process (loan process) a breeze. We are so thankful.

Ekholm Team Real Estate

13:47 26 Aug 24

Troy and his team go above and beyond when working with buyers. They are honest, kind and caring. They provide so many options for all type of buyer situations. Troy is a veteran and is a great resource for buyers who have served. If you need something, one of their team members is on it! If you are looking for a trustworthy lender with excellent rates and options, give Fairway Independent Mortgage - Heartland Branch a call!

Patty Hauk

15:01 25 Aug 24

Troy Lage has a reputation of being a top-notch Mortgage Lender! My experience with Troy has been through the roof! Easy to work with, keeps myself and my clients informed all the way! Besides being a very savy finance person and offering great programs, he’s just a great human being! We are fortunate to have him in our industry!

joy nail spa (by ryan)

04:36 05 Jul 24

Troy is an incredibly trustworthy and impressive man. As first-time home buyers, we had numerous uncertainties, but Troy was always there to answer all of our questions. His professionalism and friendliness were exceptional, and he consistently went above and beyond in his service. Alongside his team at Fairway, Troy made the home buying process significantly easier for us. We are truly grateful for his assistance and would highly recommend Troy and his team to anyone needing help with their home loan.

Lynde Thelen

16:18 16 May 24

Troy Lage has help me with 3 of my homes and he has done an exceptional job. I will be going back for his help to refinance my current home.

Kristin Norris

21:54 14 May 24

Troy and Ann made it very easy to understand and were with me every step of the way and made sure I didn’t miss anything. I appreciated the extra personal attention.

Tracy Garry

03:37 14 May 24

Troy and his back up staff special shout out to Ann Graves.,she was right there with us fighting tooth and nail to get us where we are now. Thanks for getting us HOME.

Penny Hawkins

19:27 13 May 24

My husband and I received very communicative, professional, and personalized experience with Chase and the whole team! Keep up the great work!

Neal Stratman

16:58 12 May 24

I decided to make a change and move to a different state even during the tough go with interest rates. However, because of Troy, Wynne, Sarah, Danielle and the team at Fairway, they made my decision to change much more comforting. The entire team was relentless in their efforts to help me accomplish what I wanted in buying a new home. Excellent customer service, transparent, constant and great communication as well as an educational experience.

How they communicated with me, my realtors in both Nebraska and South Dakota was incredible. For me, my effort was next to nothing. ALWAYS reachable and willing to answer questions when thing outside of business hours ran through my head.

I made the request to have my loan retained by Fairway simply due to their professionalism, knowledge, attention to detail and work ethic that every representative of Fairway displayed.

There is no other Mortgage Company I would use anymore and would recommend them to anyone regardless of the type of loan being used. The loan benefits offered were ridiculously helpful.

Thank You Troy and your outstanding team at Fairway!

Neal Stratman

Jennifer Limoges

14:20 06 May 24

I have worked with Troy multiple times over 10+ years. My family members have also now worked with Troy as have several friends I have referred. Troy is extremely knowledgeable, patient, always takes the time to learn your situation and what would be the best approach moving forward for you. He is timely in his replies and always makes you feel like a valued client and not just another number. I highly recommend Troy and his team at Fairway. I know I will use them in the future as well!!

Colin Ingalls

14:29 23 Apr 24

Troy and his team were fantastic to work with, explained the process in an easily digestible format for first time home buyers. He is incredibly knowledgeable, professional and happy to answer any questions you may have to help you find the right decision for you and your family. My wife and I never felt pressured for sales and we were able to find out what we could afford and what was actually the best decision for us and our future. I highly recommend having a conversation and seeing for yourselves. We will definitely be working with Troy again if we decide to upgrade.

Dale Horan

23:41 17 Apr 24

I will continue to say that Troy has helped our family’s financial stability in ways no one has ever done for us. He bends over backwards with great mortgage advise. Fairway, and Troy, will be the only advisor that we will ever do business with. I trust Troy and consider him a true friend!

Jamie Flyger

18:42 09 Apr 24

We had the pleasure of working with Troy Lage and his team. Troy is amazing. He was kind, understanding and personable throughout the entire process. He took time to reach out and inquire how our search was going and expressed genuine excitement for us when our offer was accepted on our house. Highly recommend!

J_ZZ JamesD

21:35 15 Mar 22

Over the last several months we have worked with Justin and his team at Fairway. We simply could not have achieved our financial / housing goals without Fairway's patient leadership, professionalism and attention to detail. We live out of state (soon to be rectified!) so our friends at Fairway were doubly responsible for
our success. Highly recommended! And a grateful thank you to all!

Tim Hoover

21:16 16 Feb 22

Everyone involved with my refinancing process through Fairway Independent Mortgage Corp were easy to work and communicate with from start to end. Troy and his assistants explained my dollar amount options and answered all of my questions in a timely manner and continually kept me informed and updated my checklist for the information they needed from me. They also contacted me immediately when an adjustment was made to the final numbers due to the last payment made to my previous mortgage company. Very easy process all the way through!
Tim Hoover

Leannah Scotting

10:26 28 Jan 22

Simple, straightforward guidance, with you every step of the way! Wonderful to work with.
Troy and his team were on top of things, informative, and supportive as we bought our first home. Thank you!!

Noah Scotting

21:31 27 Jan 22

Troy and his team were amazing throughout the entire loan process. They made themselves available whenever I needed them and answered every question I had. Troy’s team made the process feel streamlined and stress free. If you are looking for a mortgage professional and a company you can trust, look no further Troy and Fairway are the right choice. I’d recommend him to anybody in the market for a home loan and will use him again in the future.

Jeffrey Merkle

14:38 03 Dec 21

Troy and his staff worked in a timely, efficient fashion to craft the perfect loan for me and my wife. Their level of professionalism and their knowledge of the process was evident in the way we were kept informed about every step in the process. They definitely made what seemed initially to be a daunting task, much easier. I wouldn't hesitate to recommend them to anyone, and am grateful we made the choice to go with Troy and his team!

Fairway Heartland: Your Trusted Mortgage Lenders in Sioux Falls, SD

Medical Professionals

Military Personnel

Law Enforcement

Your Home Purchase Decision Starts Here

Use Your Home Equity: Cash-Out Refinancing*

Medical Professionals

Military Personnel

Law Enforcement

Your Home Purchase Decision Starts Here

Use Your Home Equity: Cash-Out Refinancing*

Heartland Heroes: Mortgage Benefits for Those Who Serve

Home Purchase

Home Refinance

Contact Us

Home Loan Programs for Every Sioux Falls Buyer

Mortgage Benefits for Heroes in Our Community

Proudly Serving Sioux Falls and Southeast South Dakota

Why Sioux Falls Home Buyers Choose Fairway Heartland

The Best Mortgages. The Happiest Customers.

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