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Terri Foster, a mortgage banker at The First National Bank in Sioux Falls.

Upgrading from a starter home: Mortgage Banker Terri Foster offers guidance for a smooth move

Whether it’s because you have a growing family, you’re making a move for work, or a multitude of other reasons, the time will come for most homeowners to upgrade from their starter home. And when that time comes — or,...
Mortgage Banker Jill Salter standing in front of the Brandon branch of First National Bank.

Using home equity to finance your remodel, with help from Mortgage Banker Jill Salter

Are you thinking about making home improvements or planning your next renovation project? You may want to consider using the equity in your home to finance a remodel. Jill Salter, a mortgage banker based out of Brandon, is passionate about...
Headshot of Britt Strum, Mortgage Banker at The First National Bank in Sioux Falls.

New home construction: What to know before building, according to Mortgage Banker Britt Strum

New home construction is an intricate process that, according to Mortgage Banker Britt Strum, will test even the most patient of homebuyers. But those who are up to the challenge can look forward to moving into a brand new home...
Sioux Falls mortgage banker Chase Hoffman meeting with a customer.

First-time homebuyers: Sioux Falls mortgage banker Chase Hoffman on how to navigate the market

If you’ve never bought a home before, you probably have a lot of questions about what to expect and how the process works — especially in today’s market. Mortgage Banker Chase Hoffman is passionate about helping current and future homeowners...
A key on a house-shaped keychain sitting in a lock.

Better access, more convenience: The advantages of selling with a realtor

With the flurry of homebuyers and increase in home prices in recent years, many people are reconsidering the costs of using a realtor versus purchasing or selling a home without one. Thanks to updated technology and internet resources — and...
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Home buying for the self-employed borrower

Getting pre-qualified can be a bit more challenging for a self-employed borrower. I would estimate that about a third of my customers earn income from being self-employed. If you are receiving income from another source such as a partnership, real...

Should I buy a home right now?

Common Cents on the Prairie™

Whether you’re trying to buy your first home or you’re ready to upgrade, the housing market is hot. Homes are selling for tens of thousands of dollars over asking price, inspections are being waived, contingencies dropped, and some homes are...
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How to make upgrades to your home make financial sense

Marit and Charlie Moberg started their search for a home in Sioux Falls in 2016. It eventually led them to a 1954 Rambler home. When Marit first stepped foot inside, she said, “Well, not this house. This is so bad.”...
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