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.

Your credit score is one of the most important factors in qualifying for a mortgage — but many buyers are surprised to find they qualify sooner than expected. Here is a complete breakdown of credit score requirements for every loan program available in Sioux Falls and Southeast South Dakota.