Jeff Buum
Sioux Falls Mortgage Lender
Your Trusted Mortgage Lender in Sioux Falls, SD
Looking for a trusted Sioux Falls mortgage lender for your next purchase or refinance? Jeff Buum is a trusted Loan Officer at Fairway Heartland in Sioux Falls, SD. With more than 20 years of experience in mortgage origination, leadership, and real estate, he is a trusted, top, and expert resource for homebuyers in Sioux Falls and across Southeast South Dakota. Jeff has built a career centered on integrity, clarity, and service.
Buying your first home? Relocating across the Sioux Empire? Growing your real estate portfolio? A veteran in need of lending assistance? No matter the goal, Jeff is committed to making the mortgage process simple, fast, and successful every time.
Why Choose Jeff Buum, Loan Officer, Fairway Heartland?
Local Expertise - I specialize in the Sioux Falls and Southeast South Dakota market.
Fast Track Approvals with Speed to Close - With Fairway’s advanced Underwriting and 9 business day closing, my buyers win in multiple offer situations.
Mortgage Programs Offered
Low Down Payment Loans - Conventional, FHA, VA, USDA
Jumbo Loans - Competitive rates
First-Time Home Buyer Programs - Down payment assistance + education
Refinance Options - Lower your rate, tap equity, or consolidate debt
Meet Jeff Buum - Loan Officer & Sioux Falls Mortgage Lender
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It’s not just the rate and closing costs in Sioux Falls
Daily market colatility affects rates and cost. Making a confident and empowered decision requires education and strategic timing.
Insights on Sioux Falls Mortgage Lending
Daily market volatility affects rates and cost. Making a confident and empowered decision requires education and strategic timing.
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$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!
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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.
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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.
VA Home Loans
VA loans in Sioux Falls, SD are specifically designed for military veterans and active duty military personnel as well as 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.
Services
USDA Home Loans
Buyers can use USDA loans in Sioux Falls SD 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.
Cash-Out Refinancing
Cash-out refinancing replaces your existing mortgage with a higher loan amount, allowing you to take advantage of the equity accrued through appreciation and paying down your loan through regular monthly payments. The cash can be used for paying off credit cards or other debts, home improvements, or essentially any purpose that requires money.
Conventional
Conventional loans are designed for borrowers with established credit and solid financial footing. Conventional loans provide purchase loans and refinances of primary residences, 2nd homes, and investment properties.
Non-Conforming
Non-conforming loans are designed for borrowers who do not fit the traditional box. Homebuyers that can’t document income with taxes or renters that need to use rent versus income can typically benefit from non-conforming loans.
What Clients are Saying
“Knowledgeable, experienced, and straight to the point, which we really appreciated going through the process. Thank you Jeff!”
Bobby T
“We’ve used Jeff for 2 different properties, by far the best experience we could ask for!!!”
Jeff M
“I have worked with Jeff on several home purchases. He has the demeanor and the patience to walk you through the process whether you are a first time homebuyer or you’ve purchased several homes. He is my trusted go to guy.”
Brad P
“I have known Jeff for a long time. He has been instrumental in helping me obtain my last 2 homes. His advice throughout the entire buying process is invaluable. Call Jeff if you want someone who cares about you getting “your house” and will stand by you to ensure everything goes as smoothly as possible.”
Tim G
“Jeff is by far the nicest mortgage broker my husband and I have ever worked with. He is knowledgeable, kind, fun and willing to make sure your purchase goes smoothly.”
Holly G
Get in Touch!
FAQ
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It can vary quite a bit, but in general, you might be looking at anywhere from 30 to 45 days for a typical residential mortgage transaction, whether it’s a mortgage refinance or home purchase.
At the same time, due to recent technology the process can be as low as a couple weeks, if not less.
Of course, stuff happens, a lot, so it’s not out of the ordinary for the process to take up to 60 days or even longer.
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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.
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Absolutely! Jeff specializes in guiding first-time hombuyers through the entire process. Helping you understand how to improve credit and set you up for success.
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Jeff is known for exceptional responsiveness. His quick replies and clear guidance make the loan process seamless. In addition Jeff’s team …
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Jeff offers comprehensive mortgage services including home purchase loans, refinancing, FHA loans, VA loans, and conventional loans.