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We Are the Heartland Branch

Your local certified mortgage advisors and support team.

Official Team Member image for Troy Lage

Troy Lage

  • Branch Manager/Certified Mortgage Advisor
  • Sioux Falls, SD Branch
  • NMLS#: 400287

Licensed in: SD, MN, IA, ND, KS, NE, FL, AZ

Troy Lage is committed to taking great care of people who are looking to buy or refinance a home, second home or investment property. He has been in the mortgage industry since 2002. Troy has served thousands of families, so you can be certain that he has the experience to make your purchase or refinance an enjoyable experience. His goal is to ensure that your home financing is so stress free and enjoyable that he is the only person you think of when your family and friends talk about home financing. Troy knows that this is most likely the largest and most important transaction you will ever make. His team’s promise to you is to make the process as easy and smooth as possible so that the purchase of your new home is as memorable and exciting as it should be. Troy promises to provide enough information to make an informed decision.

Troy and his team understand the time constraint challenges of buying or building a new home while maintaining a household, so they work within your schedule. They will make sure that it is convenient and easy for you. With online applications and secure portals for documentation, the application process is very streamlined.

After graduating from South Dakota State University, Troy and his wife, Shauna, moved to Sioux Falls in 1988. They have four adult children. Troy enjoys time with his granddaughter Isla, family, fishing, the outdoors, and all sports. He has served as a Board Member and Committee Chair at Volunteers of America and serves at his church.

Troy enjoys working for Fairway Independent Mortgage as branch manager and loan officer because they have the same core values and business philosophy. An emphasis on customer satisfaction is what makes Fairway so exceptional. Troy is proud of Fairway’s commitment to the veterans of our great country. Being a veteran himself, having served six years in the U.S. Naval Reserves, Troy is committed to and loves helping our veterans get the home financing and service that they deserve!

Official Team Member image for Jeff Buum

Jeff Buum

  • Branch Operations Manager
  • Sioux Falls, SD Branch
  • NMLS#: 400290

Licensed in: SD

Jeff is a  native and resident of Beresford, SD.  He resides with his loving wife, Carrie, of 17 years and his sons, Easton and Corbin. Jeff really enjoys the small town feel and has a great appreciation for the rural communities scattered across the upper Midwest.

Jeff brings 25 years of sales, mortgage, real estate, and management experience to the team. Jeff finds his joy by helping others succeed and encourages the team to live their best and biggest life possible. He strives to help the team create a one of kind mortgage experience and process.

He loves spending time off in the Minnesota lakes area during the summer with his family. His hobbies and interests include running/fitness, archery hunting, golfing, and the outdoors.

Official Team Member image for Amber Fluit

Amber Fluit

  • Mortgage Loan Officer
  • Sioux Falls, SD Branch
  • NMLS#: 2042084

Licensed in: AZ, SD

Amber started her mortgage journey 9 years ago in Boise, ID.  Her roots brought her back to the Midwest, specifically to Sioux Falls, SD where she previously spent 7 years as a Property Manager for a multi-family complex.  She believes that her role as a Property Manager, shaped not only who she is but gave her skills on conflict resolution, leadership, empathy, and integrity.

Amber is also passionate in aiding veterans, active military personnel and first responders finance their dream home as they have given so much for our freedom and to our communities.

In her free time, Amber enjoys hiking with her dog, reading books, listening to podcasts, being active in her local community and spending time with family on their farms in Iowa.

Official Team Member image for Ann Meinjohans

Ann Meinjohans

  • Mortgage Loan Officer
  • Sioux Falls, SD Branch
  • NMLS#: 876321

Licensed in: SD

Official Team Member image for Ashley Lawrence

Ashley Lawrence

  • Mortgage Loan Officer
  • Sioux Falls, SD Branch
  • NMLS#: 2277723

Licensed in: SD, FL

Ashley moved to Sioux Falls from Florida in 2021; when in Florida she worked at Disney and still enjoys visiting as often as she can. When she is not working you can usually find her attending community events and exploring as much as she can with her family.  Ashley has a husband and four-year-old daughter who loves to be outside and go on adventures as much as she does.  She considers herself to be a book worm and can easily get lost in a good thriller novel.  In her free time, she actively participates with local politics and works hard to maintain a positive role within her community.  She is also actively involved in the Chamber of Commerce, Young Professionals Network, and the Realtors Association of the Sioux Empire.

Ashley hopes to help as many first-time home buyers as she possibly can, and offers specialized care to all first-time buyers, Disney cast members, and frontline workers. Contact Ashley today to learn more about her and ask any questions about the home buying process.

Official Team Member image for Chase Lage

Chase Lage

  • Certified Mortgage Advisor
  • Sioux Falls, SD Branch
  • NMLS#: 1864561

Licensed in: SD, MN, ND, NE, IA

Chase Lage started in the mortgage industry in 2017 and has enjoyed holding multiple rolls over the years, which has given him a well-rounded knowledge of the mortgage process.  He strives for excellence, to give the best advice and get borrowers into the best loan for their specific financial and family goals.  To Chase, it’s not just a loan, it’s the biggest financial decision you’ll make. Therefore, he has taken additional education to become a Certified Mortgage Advisor.  He spends time keeping up on trends, new rules, and economic/mortgage news.  When you work with Chase you get a life-long relationship and industry leading advice.

Chase has been married to his wonderful wife, Mollie, for 4 years.  They are kept busy with their beautiful 2-year-old daughter, Isla and two fur babies; Charlie an Australian Shepherd and Chip a rescued cat. Outside of family & work, investment properties take up much of his spare time. When Chase has additional free time, you may see him riding motorcycle, spending time with friends or helping at his in-law’s farm.

Chase holds value in relationships, and he looks forward to creating one with you!

Official Team Member image for Joel Engel

Joel Engel

  • Mortgage Loan Officer
  • Sioux Falls, SD Branch
  • NMLS#: 2053601

Licensed in: SD, MN, NE, IA

Throughout his professional career, Joel has used his skills in business management and finance. Joel always shows his dedication to his clients which leads him to exceeding customer expectations. He enjoys spending time with his family; Joel has three children and two grandchildren. Him and his family have a charity called, Ashley’s Kicks for Kids in honor of his daughter who passed away in 2011 at 20 years old. Joel is very personable and can make everyone around him feel taken care of. He always does whatever he can to provide his customers a stress-free experience.

Official Team Member image for Justin Froiland

Justin Froiland

  • Mortgage Loan Officer
  • Brookings, SD Branch
  • NMLS#: 956715

Licensed in: SD

Justin Froiland has been in the mortgage industry for 7 years of which the last 5 have been at Fairway.  He thoroughly enjoys working with first-time homebuyers, to which he has won an award for.  The last 3 years, Justin has been awarded ‘Loan Officer Of The Year’ from the SD Housing Development Authority.

Justin currently serves on the Board of Directors for the local Habitat for Humanity organization.  He had previously spent 6 years on the Board of Directors and as Treasurer for the Local Homebuilders Association.

He has a beautiful wife Nicole and 3 amazing daughters, Kinzie, Harper and Everly. Justin has grown up his whole life, in Brookings, SD.  He and his family absolutely love it here and enjoys helping families who want to plant roots there too.  In his spare time, you can find him hunting, fishing or at their lake cabin.  In short, if it involves the outdoors and his family… that’s where you will find him.

Official Team Member image for Nick Kiesow

Nick Kiesow

  • Mortgage Loan Officer
  • Sioux Falls, SD Branch
  • NMLS#: 404680

Licensed in: SD

Born and raised in Sioux Falls, SD, Nick Kiesow currently resides with his wife, Kari, and their two children, Lillian and Henry.  Nick started in the mortgage industry in 2002 working in closing and processing departments before becoming a Loan Originator in 2005.  When he is not attending his kids’ golf, basketball, and volleyball events, he and his wife Kari stay involved in the community by volunteering with Junior Achievement, LSS Mentorship Program, and The Teddy Bear Den.  For Nick, the most fulfilling part of the mortgage industry is helping families purchase their first home and eventually help them on moving up to a new home, as their family grows and increase their wealth.

Official Team Member image for Sarah Price

Sarah Price

  • Loan Officer Assistant
Official Team Member image for Wynne Hindt

Wynne Hindt

  • Loan Officer Assistant
Official Team Member image for Danielle Hindt

Danielle Hindt

  • Processor
Official Team Member image for Carrie Buum

Carrie Buum

  • Marketing Coordinator
Official Team Member image for Jody Kersey

Jody Kersey

  • Underwriter
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