Most buyers in Sioux Falls focus on the wrong things first. Jeff Buum at Fairway Heartland breaks down what actually matters before you buy, from credit scores to down payments to pre-approval.

First-time homebuyers in Sioux Falls and across South Dakota have access to programs that can make homeownership more affordable than you might expect. This complete guide covers SDHDA down payment assistance, below-market interest rates, and how to combine state programs with your loan of choice.