Fairway Heartland Brookings, Fairway Home Mortgage

01/31/2026

Most homebuyers assume the biggest risk is getting outbid.

But the real danger usually shows up quietly.
Right before closing.
Right when emotions are high and timelines feel tight.

That’s when scams work best.
They don’t scream “this is fake.”
They look familiar, professional, and urgent.

The safest buyers aren’t the fastest ones.
They’re the ones who slow down, double-check, and ask questions even when they feel silly doing it.

If you’re buying this year, this is one of those things you don’t want to learn the hard way.

Save this. Share it.

And send it to someone who’s buying soon

01/30/2026

Most buyers negotiate the price. Smart buyers negotiate the structure.

Seller credits are one of the most overlooked tools in today's market, especially in Sioux Falls, where affordability matters.

Instead of dropping the price, seller credits can:
➡️Lower your cash to close
➡️Buy down your interest rate
➡️Reduce your monthly payment from day one

Same home. Better comfort.

This is why working with a knowledgeable loan officer matters. Strategy beats assumptions every time.

👉 Read more on seller credits https://bit.ly/4sR33w1

If you want to see how seller credits could work for your situation, ask. I'll run the numbers so you can decide with clarity.

🏆 Top 10 Mortgage Lenders in Sioux Falls
📍 Proudly serving Sioux Falls and Southeast South Dakota
✨ Where Every Loan Comes with an Extraordinary Experience
💰 Backed by the Heartland Cash Guarantee
🛡 Home of the Heartland Heroes Program
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01/26/2026

Agents… if you’re not getting our weekly newsletter, you’re leaving easy wins on the table.

This week’s issue included:
• A social strategy that’s outperforming feeds
• Credit score updates every buyer needs
• Upcoming classes + client events you can plug into
• End-of-year programs your clients may qualify for

Want to stay visible, informed, and top of mind?
Send a DM or comment below for the link to subscribe ... don’t miss another week.

01/26/2026

Most homeowners don't realize their current home already holds the key to their next one.

Your equity can help you buy your next home without feeling stretched between two mortgages, rushed to sell, or forced into temporary housing.

In our latest blog, we break down:
➡What equity really is (and why it matters more than ever(
➡How buyers use tools like bridge loans, HELOCs, and cash-out refinances
➡Real examples of families moving into their next home with confidence
➡The pitfalls to avoid so you don't overextend yourself

If you're planning to move up, downsize, or invest, your equity may open more doors than you think.

Read the full blog here: https://bit.ly/3KJRgOQ

📍Proudly serving Sioux Falls and Southeast South Dakota
✨Where Every Loan Comes with an Extraordinary Experience
💰Backed by the Heartland Cash Guarantee
🛡 Home of the Heartland Heroes Program
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01/26/2026

15-Year vs. 30-Year Mortgage: Let's Compare!

📉 15-Year Mortgage: Shorter term, higher monthly payments, but builds equity faster & saves on interest.

📈 30-Year Mortgage: Longer term, lower monthly payments, more affordable, but more interest paid over time.

Which one is right for you? Consider your financial goals and consult with our expert mortgage lenders at Fairway Home Mortgage, Heartland Branch, for guidance.

📍Proudly Serving Sioux Falls, Brookings, and Southeast South Dakota
✨Where Every Loan Comes with an Extraordinary Service
💰Backed by the Heartland Cash Guarantee
🛡 Home of the Heartland Heroes Program

01/26/2026

Everyone says to wait for spring to buy a home.
That might be the problem.

January is quietly one of the smartest times to buy a home. Fewer buyers, less competition, more motivated sellers, and in many cases, lower prices.

If you want to avoid bidding wars and pressure, this might be the season that actually works in your favor.

We broke down why winter buyers often have the advantage and how working with a trusted local mortgage lender can help you move with clarity.

Read the full blog here https://bit.ly/48Vs2Xb, and decide if waiting for spring really makes sense for you.

📍Proudly serving Sioux Falls and Southeast South Dakota
🏡Where Every Loan Comes with an Extraordinary Experience
💰Backed by the Heartland Guarantee
🛡Home of the Heartland Heroes program

01/26/2026

Most buyers think they're shopping for a house.
They're actually shopping for a monthly payment.

Price matters. Rates matter.
But taxes, insurance, and loan structure quietly decide whether a payment feels comfortable or stressful.

This blog breaks down what really makes your mortgage payment go up or down in a way that makes sense. Especially helpful if you're a first-time homebuyer in Sioux Falls, Brookings, or Southeast South Dakota.

If you've ever thought, "Why does this payment feel higher than I expected?" This one is for you.

https://bit.ly/49BVRwb

01/26/2026

Big housing news that caught the market's attention.

According to Reuters, Donald Trump announced he is instructing his representatives to purchase $200 billion in mortgage-backed securities.

The stated goal
To push mortgage rates lower, reduce monthly payments, and make homeownership more affordable.

In his statement, Trump pointed to his earlier decision not to sell Fannie Mae and Freddie Mac, saying those entities now hold significant value and cash, which he believes can be used to support the housing market through bond purchases.

Why this matters
When mortgage bonds are bought at this scale, it can put downward pressure on mortgage rates. That does not mean instant relief, but it is the kind of move markets pay attention to.

The reality check
Announcements like this can quickly influence sentiment, but actual rate movement depends on timing, ex*****on, and broader economic factors. Headlines move fast. Rates move... when they're ready.

If you are watching rates or thinking about buying this year, this is one of those "pay attention but don't panic or rush" moments.

The Fairway Heartland team is happy to break down what this could realistically mean for buyers in the Sioux Empire if you want a clearer picture.

🏆 Top 10 Mortgage Lenders in Sioux Falls & Brookings
📍 Proudly serving South Dakota
✨ Where Every Loan Comes with an Extraordinary Experience
💰 Backed by the Heartland Cash Guarantee
🛡 Home of the Heartland Heroes Program

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01/26/2026

You can make great money and still not qualify for the home you want.

Confusing? Unfortunately, it happens all the time.

Most buyers think income is the biggest factor in getting approved. In reality, debt to income ratio often matters more.

In our latest blog, we break down:
What DTI actually means
Why lenders focus on monthly obligations
How small changes can increase buying power

If you're planning to buy in Sioux Falls, Brookings, or Southeast South Dakota, this is a must-read before you apply.

👉Read the full blog (find link in bio) and get clarity before you guess.

🏆 Top 10 Mortgage Lenders in Sioux Falls and Brookings
📍 Southeast South Dakota
✨ Clear guidance. Extraordinary Experience.
💰 Heartland Cash Guarantee
🛡 Heartland Heroes Program

01/02/2026

It’s wild how easy it is to talk about buying a home… and how hard it feels to finally take that first real step.

Daydreaming.
Scrolling Zillow.
Saving screenshots like they’re vision boards.
And we keep saying “soon” like it’s some magical moment on the calendar that will reveal itself when life feels less chaotic.

But here’s the truth most people never say out loud:
Getting pre-qualified isn’t scary.
It’s clarity.
It takes minutes, not months.
And once you know your real numbers, everything gets easier — your search, your budget, your plan, your confidence.

💬 Comment “OKAY FINE” and we’ll invite you to a simple 10-minute strategy call to help you map out your next steps.



— Fairyway Home Mortgage, The Heartland Branch, your number one mortgage lender in Brookings, Sioux Falls, and Southeast South Dakota
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SiouxFallsMortgageLender, MortgageMadeEasy, MortgageAdvice, HomeLoanHelp, mortgagetips, loanofficer

01/01/2026

Buying your first home comes with pressure that no one really warns you about.

Everyone tells you to check your credit or save more money.
No one talks about the moment you sit down to apply and quietly wonder if you're doing any of this right.

That moment when the numbers feel intimidating.
When the old financial choices come back into your head.
When you start comparing yourself to people who bought before you.

Here's the truth most first-time homebuyers never hear.

Most people don't struggle because they aren't qualified. They struggle because no one ever explained how the mortgage process actually works.

Your file and the timing don't need to be perfect, and you don't have to figure it out alone.

If buying a home is on your radar, even "sometime soon," getting prepared is usually much easier than you think. Once you understand what lenders actually look for, everything starts to feel a lot lighter.

Comment HOME, and we'll send you a message to set up a quick 10-minute strategy chat.

Troy Lage
Fairway Home Mortgage, The Heartland Branch
Trusted mortgage lender in South Dakota

📍Proudly serving Sioux Falls, Brookings and Southeast South Dakota
✨Where Every Loan Comes with an Extraordinary Experience
💰Backed by the Heartland Cash Guarantee
🛡Home of the Heartland Heroes Program

10/29/2025

We couldn’t be prouder of this initiative.
At Fairway Heartland of Sioux Falls and Brookings, we don’t just serve clients, we serve those who serve others.

The Heartland Heroes program is one of the best parts of what we do. From teachers to first responders to veterans, these are the people who make our communities stronger every day.

If you know someone who fits that description, share this with them. This benefit was built for them.

You’ve given so much through service, care, and commitment as a veteran, military member, teacher, healthcare worker, or first responder.
Now it’s our turn to give back.

💚 Heartland Heroes was created to welcome and thank you as you make The Heartland home.
→ Up to $1,125 in closing credits
→ $10,000+ in local offers through our curated voucher book

Because heroes like you deserve more than savings, you deserve to belong.

📍 Proudly serving Sioux Falls and Southeast South Dakota
✨ Where Every Loan Comes with an Extraordinary Experience.
💰 Backed by the Heartland Cash Guarantee, Because Confidence Matters.