Tia Hutt, Mortgage Banker • NMLS # 2114353

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Tia Hutt, Mortgage Banker • NMLS # 2114353 I am a mortgage banker at Dacotah Bank located in Watertown, SD. Here for you!

10/13/2026

When it comes to buying a home, your credit score plays a big role in the mortgage process. A higher credit score may help you:
✅ Qualify for better loan options
✅ Secure a lower interest rate
✅ Reduce your monthly payment
✅ Save thousands over the life of your mortgage

Even a small difference in your credit score can make a big difference in what you pay over time.

Thinking about buying a home? The mortgage lenders at Dacotah Bank can help you understand where you stand and discuss steps that may strengthen your mortgage application.

📞 Contact Dacotah Bank today to start your homeownership journey at 800-881-5611.

10/08/2026

When budgeting for a home, remember to consider:
• Property taxes
• Homeowners insurance
• Utilities
• Maintenance and repairs

Understanding the full picture can help you buy with confidence and avoid surprises down the road.

Explore home financing options: 👉 https://www.dacotahbank.com/mortgage

09/18/2026

Ever wonder what "escrow" means on your mortgage statement?

Think of escrow as a savings account managed as part of your mortgage. Instead of paying large bills all at once, you contribute a little each month, and those funds are used when your taxes and insurance premiums come due.

✅ One convenient monthly payment
✅ Helps you budget for annual expenses
✅ Ensures important bills are paid on time

Have questions about your mortgage or escrow account? We're here to help explain the details.

Let us know in the comments what mortgage term you would like explained next!

09/01/2026

📚 Calling All Teachers! 🏡

You help students reach their goals every day. Let us help you reach yours.

Through the Homes for Heroes® program, teachers can receive savings when buying, selling, or refinancing a home, helping make your homeownership journey more affordable

Whether you're purchasing your first home, selling your current property, or looking to lower your monthly payment through refinancing, this program is designed to give back to those who give so much to our communities.

Visit dacotahbank.com/mortgage to get started today.

Member FDIC. Equal Housing Lender.

08/27/2026

🏡 Preparing to sell your home?

Did you know that small repairs and maintenance items can make a big difference in your home appraisal? From checking smoke detectors and fixing leaky pipes to ensuring windows and handrails are in good condition, a little preparation can help your transaction go more smoothly.

Government-backed loans such as FHA, VA, and USDA may have additional appraisal requirements, so it's important to be ready before listing your home.

Need guidance? Contact our mortgage team today.
dacotahbank.com/mortgage

Member FDIC. Equal Housing Lender.

08/05/2026

🏡 Codington County Market Update – July 2026 🏡

July brought a shift in the Codington County housing market, with the median sales price at $306,000, down 11% compared to July 2025. The number of homes for sale increased slightly to 120, though inventory remains 11.8% lower than this time last year, while 35 homes were sold, a 16.7% decrease from July 2025. Whether you're buying, selling, or simply keeping an eye on the market, these trends highlight the importance of working with a local REALTOR® who understands our ever-changing market.

07/07/2026

🏡 Good news for homebuyers—the FHLB Mortgage Rate Relief program is back! 🎉

Beginning July 2, qualified borrowers may be eligible for a 5.125% interest rate or a 1.5% reduced rate through the FHLB Mortgage Rate Relief program, helping make homeownership more affordable.

Whether you're buying your first home or taking the next step, our experienced Mortgage Bankers are here to help you navigate your options every step of the way.

📲 Contact your local Dacotah Bank Mortgage Banker today to learn more and see if you qualify!

🏠 Your homeownership journey starts here.

🏡💙

05/13/2026

Join us for a day focused on protecting what matters most! 🔐✂️

Dacotah Bank is hosting a FREE Public Fraud Session & Shred Event on May 28, 2026 at Lake Area Technical College. Stop by to learn how to spot and prevent fraud, then safely dispose of sensitive documents at our shred event. 📄🛡️

🕤 Fraud Session: 9:30 AM – 11:00 AM
🕘 Shred Event: 9:00 AM – 1:00 PM

Whether you're looking to stay informed or clear out old paperwork, we’re here to help keep your information secure. We hope to see you there! 🙌

05/07/2026

🏡❤️ Honoring Our Heroes with Homeownership Opportunities!

At Dacotah Bank, we’re proud to support the heroes who make our communities stronger every day. Through Homes for Heroes, we offer exclusive benefits to those who serve because giving back is the least we can do.

Whether you’re a firefighter, law enforcement officer, veteran, teacher, or healthcare professional, we’re here to help make your path to homeownership a little easier.

Ready to take the next step? Connect with one of our local mortgage bankers today and let’s make your homeownership goals a reality!

💙

Address

1310 9th Avenue SE
Watertown, SD
57201

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+16058784810

Website

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