Used as a coordinated element of a retirement income strategy — not a last resort — a reverse mortgage can support Social Security timing, portfolio longevity, and long-term care planning for South Dakotans.

"How much would I actually get?" is usually the first question. Here is exactly what determines your HECM loan amount in South Dakota, with illustrative examples for local home values.

A reverse mortgage is a powerful retirement tool, but it isn't right for everyone. Here is the same honest assessment Jeff Buum gives South Dakota homeowners in person, including when to say no.

No mortgage product carries more misinformation than the reverse mortgage. Here are the 12 myths South Dakota families believe most often, and the honest truth about each one.

Both a reverse mortgage and a home equity loan let you borrow against your home, but they work very differently. Here is a side-by-side comparison for South Dakota homeowners 62 and older.

Most people think of a reverse mortgage as something you do with a home you already own. The HECM for Purchase lets South Dakota buyers 62+ buy a new home with no monthly mortgage payment. Here is how it works.

If you are looking at homes in Sioux Falls above the conforming loan limit, you are not in uncharted territory, but you are in a different conversation. Jeff Buum at Fairway Heartland explains what qualifies as a jumbo loan in South Dakota, what approval actually requires, and what your options are when conventional financing does not cover the purchase price.

Working with a direct lender means one team handles your file from application through closing. When Jeff Buum's clients sit down at the closing table in Sioux Falls, there are no surprises because the same people who reviewed your application are the ones who got you to closing day.

A complete mortgage application starts with organized documents. Here is everything you need to get pre-approved and close on your Sioux Falls home with confidence.

Woman shaking hands and smiling at a mortgage lender consultation in a professional office setting, Fairway Heartland Branch, Sioux Falls, SD

South Dakota homeowners 62+ can use a reverse mortgage to retire on their terms.

Sioux Falls offers a stable, growing real estate market for buyers and sellers across the Sioux Empire.

Veterans, nurses, teachers, firefighters, and first responders show up for Sioux Falls every single day. The Heartland Heroes Program is Fairway Heartland's way of showing up for them, with up to $500 in closing cost savings and over $10,000 in local partner benefits when they close on a home loan.