When the excitement of owning a home sets in, you will likely want to make the process quick and painless to get keys in hand as soon as possible.

It’s always good to have options – that’s why South Dakotans should count themselves lucky. When it comes to purchasing or upgrading a new home there are choices residents have in borrowing.

“Do I really need one more thing?”

That’s a question we hear from a lot of lenders.

Banks and credit unions have a wide breadth of loan and mortgage offerings, and it’s easy to feel like they are offering everything their clients need. But there are some things that the First-Time Homebuyer Loan Program offers that other programs may not.

From the affluent buyer to a starter home purchaser, a mortgage lender can choose to stay fairly hands off with a given buyer’s process, or he or she can be an essential part of it.

One of the most common questions we answer here is, “What does my lender need from me?”

Homebuyers want to make sure they provide everything the lenders need in order to quality them for home purchases.