JoAnn Linn-Mortgage Loan Originator, NMLS #1254154

02/19/2026

Cut Your Mortgage Rate by Up to 1.5% + No Origination Fee!

Buying a home is a big decision—and we’re here to help make it easier. With the Mortgage Rate Relief program, qualified buyers can:

✅ Save up to 1.5% on your interest rate

✅ Pay no origination fee

✅ Keep more money in your pocket every month


Available beginning March 2, 2026.

12/23/2025

Finally we see SD Housing rates in the 4’s!!! Great use of seller concessions!

Merry Christmas!! 🎄%🎄$🎄

07/02/2025

Ever wonder how today’s rates stack up against the past?

Even with an average 6.65% rate today, payments are still lower than the '70s, '80s, and '90s.

And guess what? Those buyers still built equity, grew wealth, and made moves.

If you're waiting for “perfect” rates, you might miss the perfect home. Let's chat about what

monthly payments really look like right now.

DM me if you're curious about what your numbers could look like!

04/01/2025

Grants for Grads last date to lock is May 30th. If you have any May graduates thinking about buying now is the time! 🤗

01/03/2025

It’s back in limited supply! This is a $15,000 grant for low income buyers*. It will go fast so reach out today for more info!
*must be in contract to reserve funds

12/19/2024

Waiting for a lower rate next year could cost you getting the right price on the home you want today! Here’s a look at what four reliable experts are expecting for home prices! Don’t let that home appreciate out of your price range, let’s talk about how we can start you on the journey to buying now!

12/03/2024

Sharing: Great starter home just listed. Qualifies for Central Bank's lender credits based on FFIEC census location (LMI Program). This home's price range qualifies for the SD Housing First Time homebuyer program. And, if you're a recent graduate of an accredited college/university within the past 5 years you could be eligible for the SD Housing Grant for Grads program. Free Money for closing!!! Reach out to myself about getting pre-qualified (NMLS 1254154) or if questions about the home reach out to the listing agent: Lynne Keller Forbes 605.940.8588

This 1184 square feet Single Family home has 2 bedrooms and 1 bathroom. It is located at 1105 N Haley Ave, Sioux Falls, SD.

12/03/2024

See if you qualify for first time homebuyer free money! NMLS 1254154

11/13/2024

SD Housing Grants for Grads funds are 50% funded. If you graduated college within the past 5 years and are a first time homeowner we need to talk! I’ve been averaging $10-$13k in FREE money to my clients to use towards down payment and closing costs. Reach out for more details. 605-782-1745.
NMLS #1254154

10/31/2024

What an eventful evening at the SD Law Enforcement Appreciation Dinner to raise money for some very worthy charities. We were blessed by the presence of all our state elected officials, mayor of Sioux Falls and guest speaker Captain Kirk himself William Shatner! Thank you Central Bank for sponsoring a table and sharing this experience!

09/30/2024

You could be sitting on more equity than you realize! Here’s a look at how quick equity builds up, when you consider your down payment, the principal you’ve paid over time, and how much your home has appreciated since purchased! If you’d like to see how much tappable equity you have in your home, I can run this same calculation for you - let’s talk!

The principal that you pay, your down payment and appreciation can really add up over time. Click here to find the equity in your home.