Mortgage Lender
in Sioux Falls, SD
Jeff Buum helps South Dakota homebuyers, veterans, and homeowners navigate every loan option. From your first home to retirement. 
Home Loan Programs For Every Sioux Falls Buyer
Jeff Buum, Mortgage Loan Officer and Certified Reverse Mortgage Specialist at Fairway Heartland, offers a full range of home loan programs in Sioux Falls and throughout South Dakota. Whether you’re buying your first home, ready to move up, using your VA benefits, or planning your retirement, Jeff Buum will match you with the right program. VA Home Loans
VA loans in Sioux Falls, SD, are specifically designed for military veterans, active-duty service members, and their spouses. VA does not require a down payment* in most cases and does not require mortgage insurance. The VA also waives the funding fee for qualified disabled vets.
USDA Home Loans
Buyers can use USDA loans in rural areas of South Dakota to buy a home with zero down payment. Eligibility, income limits, and geographic limits apply.
FHA Home Loans
FHA loans are designed for low- to moderate-income borrowers. They may require a lower down payment and accept lower credit scores than most conventional loans do.
If you're 62 or older and own your home, a reverse mortgage can turn your equity into tax-free cash, with no monthly mortgage payment required. Jeff Buum is a certified reverse mortgage specialist serving South Dakota homeowners and their families.
Jumbo Home Loans
For purchase prices above conventional loan limits. Requires strong credit and financial documentation.
First-Time Buyer/Bond
Down payment assistance and bond programs for eligible first-time homebuyers in South Dakota.
Cash-Out Refinancing
Cash-out refinancing replaces your existing mortgage with a higher loan amount, allowing you to tap the equity you've built through appreciation and pay down your loan with regular monthly payments. The cash can be used to pay off credit cards or other debts, make home improvements, or essentially any purpose that requires money.
Conventional Home Loans
Conventional loans are designed for borrowers with established credit and a solid financial footing. Conventional loans provide purchase loans and refinances of primary residences, 2nd homes, and investment properties.
Non-conforming loans are designed for borrowers who do not fit the traditional box. Homebuyers who can’t document income with taxes or renters who need to use rent versus income can typically benefit from non-conforming loans.
-
![Outline icon of a hand holding money with dollar bills, surrounded by a spiked circular border.]()
$5,000 Close on Time Guarantee
We offer a $5,000 Close On Time Guarantee to give you confidence while our team to works on your behalf with the seller to ensure a smooth process that results in an outstanding experience and an on-time closing!
-
![A black background with a white outline of a heart at the center, surrounded by a scalloped circle outline.]()
Heartland Heroes Program
Heartland Heroes is a homebuyer mortgage program in Sioux Falls designed to thank local frontline workers across the Sioux Empire with meaningful savings, clear guidance, and a smooth path to homeownership.
-
![White checkmark inside a black badge with a white zigzag border.]()
The Fairway Advantage
The Fairway Advantage Pre-Approval program provides our customers with a conditionally approved loan before they make an offer, which allows them to be in a position to better compete with cash.
What South Dakota Homebuyers are saying about Jeff Buum
Common Mortgage Questions South Dakota Homebuyers Ask
-
Fairway Heartland offers conventional, FHA, VA, USDA, jumbo, ARM, reverse mortgage (HECM), and first-time buyer bond programs. Our loan officers help you choose the right fit for your situation.
-
Jeff is known as an “educator first” approach to mortgage lending. His goals are to educate homebuyers, providing personalized education, including custom videos to walk you through the steps of your loan journey.
-
Absolutely! Jeff Buum specializes in guiding first-time homebuyers through the entire process. Helping you understand how to improve your credit and sets you up for success.
-
Jeff is known for exceptional responsiveness. His quick replies and clear guidance make the loan process seamless. In addition Jeff’s team is in constant contact through out the entire process, to ensure the clients receive nothing less than a Five Star experience.
-
Yes, Jeff Buum is a certified reverse mortgage specialist. If you or a family member is 62 or older and owns a home in South Dakota, a reverse mortgage loan (HECM) may allow you to tap your home equity without a monthly mortgage payment. Learn more on Jeff's dedicated reverse mortgage page.
-
Start by contacting Jeff Buum online or by phone. He will gather your financial information, review your credit and income, and issue a pre-approval letter, typically within 1–2 business days.
