Why Fairway: Programs Built to Give You an Advantage

Your Closing Date Means Something to Us

When you're under contract on a home, your closing date isn't just a number on a calendar, it's a commitment. Missed closings cost buyers money, cause stress, and can put deals at risk.

That's why Fairway Heartland backs our process with a $5,000 Close on Time Guarantee.

If we don't close by the date on your sales contract, we pay $2,500 to you and $2,500 to the seller, no questions asked.

What This Guarantee Means for You

• Confidence — You can make offers knowing your lender is accountable

• Credibility — Sellers take your offer more seriously when a guarantee is attached

• Peace of mind — You're not just trusting our word. It's in writing.

How to Qualify

To be eligible for the Close on Time Guarantee:

• All requested documentation must be submitted within 24 hours of request

• Loan product and terms must remain unchanged from the original application

• Does not apply to VA, Bond, or Brokered loans

• Missed closing date must not be caused by third-party delays such as title issues, certificate of occupancy, or events outside Fairway's control

Ready to get started? Let's talk.

*One $2,500 payment to each the buyer and seller per loan if Fairway Branch 8350 doesn't close as per the closing date on the sales contract and any addenda. Loan must close and fund with Fairway branch 8350. Contact your Fairway loan officer to determine if you qualify. Not valid with VA, Bond, or Brokered Loans. Other restrictions apply.

A Homebuyer Program Built for Those Who Serve

If you're a veteran, active-duty military member, teacher, healthcare worker, firefighter, law enforcement officer, or first responder, the Heartland Heroes Program was created specifically for you.

This isn't a promotion. It's a long-term commitment to the people who make South Dakota stronger every single day.

Who Qualifies for Heartland Heroes

• Veterans and active-duty military members

• Teachers and educators

• Healthcare workers

• Firefighters and EMTs

• Law enforcement officers and first responders

If you serve the Sioux Falls community and the surrounding Southeast South Dakota area, this program was built with you in mind.

What You Receive as a Heartland Hero

When you close a home loan with Fairway Heartland Branch 8350, you receive exclusive savings and local benefits:

Up to $1,125 in combined real estate and mortgage savings:

• $500 closing cost credit from Fairway Heartland Branch*

• $500 credit from participating real estate agents

• $125 discount from participating title partners

$10,000+ in Local Offers: A curated Welcome Voucher Book featuring restaurants, service providers, and local businesses across Sioux Falls and Southeast South Dakota that proudly support our heroes.**

More Than a Mortgage. A Community Promise.

Heartland Heroes is built on the same principles that guide every loan we close:

• Clear Communication — You'll know exactly where you stand from pre-approval to closing

• Tailored Solutions — Your mortgage is matched to your mission, not a one-size-fits-all product

• Experienced Guidance — You work directly with a loan officer who knows this market

Learn more about working with Jeff Buum.

*May not be redeemed for cash. One discount of $500 on closing costs per loan applied as a lender credit at closing. Loan must close and fund with Fairway Heartland Branch 8350. Not valid with any other incentives or discounts. *Welcome Voucher Book value is estimated. Must be presented at time of service at participating businesses.

Compete With Cash. Without Cash.

In today's housing market, buyers are competing harder than ever, often against all-cash offers. The Fairway Advantage Pre-Approval is how you level the playing field. The Fairway Advantage Pre-Approval program provides customers with a conditionally approved loan before they make an offer to Fairway Heartland, putting you in a position to compete with cash buyers from day one.

What Makes This Different From a Standard Pre-Approval

Most pre-approvals are surface-level. The Fairway Advantage goes deeper.

A Fairway Advantage Pre-Approval is underwritten except for certain property details, contract, title search, and appraisal, which means when you make an offer, sellers know the home is as good as sold.

Your income, credit history, and debt-to-income ratio are all reviewed upfront. By the time you make an offer, the heavy lifting is already done.

Why Sellers and Agents Take This Seriously

• Your offer comes backed by a full underwriting review — not just a quick credit check

• Sellers know your financing is solid before they accept

• Less back-and-forth after going under contract means faster, smoother closings

• It gives you the confidence you need to emerge victorious on your quest toward homeownership

Speed Is Part of the Advantage

Receiving your Fairway Advantage Pre-Approval is fast. We understand how quickly things need to happen in this market and can accommodate rush situations in many cases.

Found a home that feels right? Don't wait. Reach out, and we'll move fast.

Start your Fairway Advantage Pre-Approval today

*Fairway Advantage Pre-Approval is based on a full review of the borrower's creditworthiness and is contingent upon there being no material changes in the borrower's financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; (3) borrower selects a mortgage program and locks in an interest rate that will support the pre-approved monthly payment amount. Not available on USDA, Bond, or DPA programs.