# Fairway Heartland — Troy Lage Team, Sioux Falls Mortgage Lender

> Fairway Heartland is a branch of Fairway Independent Mortgage
Corporation (NMLS #2289), serving Sioux Falls, Brookings, and Southeast 
South Dakota. Led by Troy Lage (NMLS #400287), a U.S. military veteran and
 Top 1% Mortgage Originator in America with 30+ years of experience, 
4,400+ clients served, and $1.35B+ in loan volume. The team offers 
conventional, FHA, VA, USDA, jumbo, reverse mortgage, and refinancing 
options with the Heartland Heroes program providing up to $1,125 in 
savings for veterans, teachers, healthcare workers, and first responders.

## Licensing & Contact
- Branch Manager: Troy Lage, NMLS #400287
- Company: Fairway Independent Mortgage Corporation, NMLS #2289
- Sioux Falls Branch NMLS: 400827
- Brookings Branch NMLS: 400290
- Experience: 100+ years combined team experience
- Sioux Falls Office: 7615 S. Kenton Lane, Suite 110, Sioux Falls, SD
57108
- Brookings Office: 311 3rd Street, Suite 104, Brookings, SD 57006
- Phone: (605) 906-1020
- Email: troylageteam@fairwaymc.com
- Hours: Monday-Friday 8:00 AM - 5:00 PM; Saturday by appointment
- Equal Housing Lender. Verify licensing at NMLS Consumer Access
(nmlsconsumeraccess.org).

## Loan Officers

### Troy Lage — Branch Manager
- NMLS: 400287
- Phone: (605) 310-4645
- Email: troyl@fairwaymc.com
- Licensed: SD, MN, IA, ND, KS, NE, FL, AZ
- Credentials: Certified Retirement Mortgage Specialist, Top 1% Mortgage
Originator
- Specialty: VA loans, first-time homebuyers, retirement financing
- Background: U.S. military veteran, 30+ years experience, 4,400+ clients,
 $1.35B+ volume, 5.0-star Google rating

### Chase Lage — Branch Sales Manager
- NMLS: 1864561
- Phone: (605) 610-6176
- Email: chase.lage@fairwaymc.com
- Licensed: SD, MN, ND, NE, IA
- Specialty: First-time and repeat homeowners, Southeast South Dakota

### Jeff Buum — Loan Officer
- NMLS: 400290
- Phone: (605) 321-7303
- Email: jeff.buum@fairwaymc.com
- Licensed: SD, MN, CO, ND
- Credentials: Certified Retirement Mortgage Specialist
- Experience: 20+ years
- Specialty: First-time homebuyers, relocating clients, real estate
portfolio expansion

### Nick Kiesow — Loan Officer
- NMLS: 404680
- Phone: (605) 366-0919
- Email: nick.kiesow@fairwaymc.com
- Licensed: SD
- Credentials: Certified Retirement Mortgage Specialist
- Experience: 20+ years (industry since 2002)
- Specialty: First-time homebuyers, retirement financing

## Service Areas
Sioux Falls, Harrisburg, Tea, Brandon, Brookings, and Southeast South
Dakota. Licensed in SD, MN, IA, ND, NE, KS, FL, AZ, CO.

## Core Values
1. Communication — Clear dialogue throughout the process
2. Educate & Empower — Providing knowledge to clients
3. Accountability — Taking responsibility for outcomes
4. Trustworthy — Building confidence through reliability
5. Put People First — Prioritizing client needs
6. Kindness — Demonstrating compassion in interactions

## Loan Programs
- Conventional/Conforming: Standard loans for established credit, primary
residences, second homes, investment properties
- FHA: Low-to-moderate income borrowers, lower down payment and credit
requirements
- VA Loans: Veterans, active duty, and spouses; typically no down payment
or mortgage insurance
- USDA Rural Development: Low-income earners, eligible rural properties,
no down payment
- Jumbo/Non-Conforming: Loan amounts exceeding $647,200
- First-Time & Repeat Homebuyer/Bond Programs: State housing bonds and
assistance programs
- Reverse Mortgage: Homeowners 62+, access equity via lump sum, monthly
payments, or line of credit
- Adjustable Rate Mortgages (ARM): Rates reset after initial fixed period
- Refinancing: Rate/term or cash-out options
- Construction Loans: New home construction financing
- Investment Property Lending: Rental and investment property loans

## Heartland Heroes Program
Discount program for community heroes in the Sioux Falls area.

### Eligible Professions
- Veterans and active-duty military
- Teachers and educators
- Healthcare workers
- Firefighters and EMTs
- Law enforcement officers and first responders

### Benefits
- $500 closing cost credit from Fairway Heartland
- Up to $500 additional credit from participating real estate agents
- $125 discount from title partners
- Combined potential savings: up to $1,125
- Welcome voucher book with $10,000+ in local offers

## Community Involvement
Fairway supports the American Warrior Initiative, a 501(c)(3) nonprofit
focused on military education and veteran home-buying. Military Mortgage
Specialist and American Warrior Real Estate Professional certifications
available.

## Apply
- Get Pre-Approved: https://www.fairway.com/lo/troy-lage-400287
- Nick Kiesow: https://www.fairway.com/lo/nick-kiesow-404680

## Contact
- Phone: (605) 906-1020
- Email: troylageteam@fairwaymc.com
- Sioux Falls: 7615 S. Kenton Lane, Suite 110, Sioux Falls, SD 57108
- Brookings: 311 3rd Street, Suite 104, Brookings, SD 57006
- Troy Lage, NMLS #400287 — Fairway Independent Mortgage Corporation, NMLS
 #2289