Mortgages made simple-find options that fit your budget and goals.
Stay Informed and BorrowSmart.
Rates vary by credit profile, loan amount, property type, and market conditions. For an accurate, personalized quote, connect with Jeff Younger directly.
Always here for you — Monday through Friday.
Availability: Monday–Thursday, 9am–6pm. Friday, 10am–3pm. Weekends closed.
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Your home is important — we’ll work around your schedule. Call, chat, or come on in.
Call us! +1 (605) 982-7947Ready to Get Started?
Serving Sioux Falls and all of South Dakota, Jeff makes it easy to understand your mortgage options. Let’s connect and take the first step toward your next home or refinance.
Home Loan & Refinance Specialist
I’m Jeff Younger, a Loan Officer at Borrow Smart Mortgage Powered by Nationwide Loans. We are helping clients achieve homeownership through smart, personalized loan solutions, expert guidance, and trusted support every step of the way toward their financial goals.
My Mission:
Empower clients to borrow smart with confidence and clarity.
Provide personalized mortgage solutions tailored to every financial situation.
Deliver transparent communication and expert guidance from application to closing.
Build lasting relationships based on trust, integrity, and results.
Help individuals and families achieve their dream of homeownership.
Client Feedback
"Jeff made the entire mortgage process simple and stress-free. As a first-time homebuyer in Sioux Falls, I had tons of questions, but he explained every step and found the best rate for me. I couldn’t have asked for a smoother experience!"
Sarah T.
Sioux Falls, SD
"I’ve worked with Jeff Younger twice now — once for my home purchase and again to refinance. Both times, he was professional, fast, and honest. He truly cares about helping you save money and reach your financial goals."
Mark R.
Harrisburg, SD
Home Ownership Made Easy
Owning a home doesn’t have to be complicated. At Borrow Smart Mortgages Powered by Nationwide Loans, we simplify every step — from pre-approval to closing. Whether you’re buying your first home or upgrading, we’ll guide you through financing options, low-down-payment programs, and personalized solutions designed to make homeownership easy and affordable in Sioux Falls, South Dakota.
🏡 First-Time Homebuyer Programs in South Dakota: What You Need to Know
By Jeff Younger — Borrow Smart Mortgages Powered by Nationwide Loans
Discover top South Dakota first-time homebuyer programs and grants to help you buy your home easily.
Buying your first home is exciting — but it can also feel overwhelming. The good news? South Dakota offers several programs designed to help first-time homebuyers with down payments, closing costs, and affordable mortgage options.
As a local mortgage expert in Sioux Falls, I’ll walk you through the most popular programs and how to qualify so you can start your homeownership journey with confidence.
1. South Dakota Housing Development Authority (SDHDA) Loan Programs
The SDHDA provides some of the most flexible mortgage options for first-time buyers in the state.
Here’s what you can expect:
Competitive fixed interest rates
Down payment and closing cost assistance
Flexible credit score requirements
Available statewide (Sioux Falls, Rapid City, and beyond)
You can combine SDHDA programs with FHA, VA, USDA, or Conventional loans for even more flexibility and savings.
2. Homeownership Assistance Program (HAP)
If saving for a down payment is holding you back, the HAP grant can make a big difference.
It provides funds for down payment or closing costs based on income and home price limits.
Local Tip: Many Sioux Falls buyers use HAP to cover closing costs, freeing up cash for moving or home upgrades.
3. USDA Rural Development Loans
If you’re buying just outside of Sioux Falls — in areas like Harrisburg, Brandon, or Tea — a USDA loan might be perfect for you.
Benefits include:
No down payment required
Low mortgage insurance
Competitive fixed rates
It’s ideal for buyers who want a bit more space but still want easy access to Sioux Falls amenities.
4. FHA Loans for Flexible Qualification
First-time buyers often choose FHA loans because of their low credit score requirements and smaller down payment options (as low as 3.5%).
When combined with SDHDA assistance, this can make owning a home cheaper than renting in Sioux Falls.
How to Get Started (Simple 3-Step Plan)
Speak with Jeff and determine your budget and get your free credit pull. Don’t worry if your credit needs some help, we will work with you!
Jeff will preapprove you and together you can decide the best program for you.
Start your home search! If you don’t have a realtor, Jeff can recommend a top realtor in your area.
Why Work with a Local Mortgage Expert
As a Sioux Falls-based loan officer, I help first-time buyers every day find the best South Dakota programs.
Unlike national lenders, I can connect you with local grants, SDHDA options, and lender credits that fit your unique situation.
Ready to Buy Your First Home?
Contact us!
Let’s make your dream of homeownership a reality. I’ll help you explore all first-time homebuyer programs in South Dakota and find the one that fits you best.
📞 Call or Text: 605-982-7947
💬 Schedule a Free Consultation: BOOK NOW!
🌐 Visit: Jeff Younger Borrow Smart Mortgages Powered by Nationwide Loans
Call +1 (605) 982-7947
Email: [email protected]
Sioux Falls, South Dakota, USA
www.siouxfallshomeloans.com
Company NMLS # 1799965 | NMLS # 267184
Borrow Smart Mortgages Powered by Nationwide Loans