SDHDA would like to recognize the following lenders who consistently utilize SDHDA's First-time Homebuyer Program and who have been chosen as SDHDA's 2011 "best of the best."

• Troy Lage - Wells Fargo Home Mortgage, Sioux Falls, Phone: 330-2481 - Area 1
• Julie Bohling - Aberdeen Federal Credit Union, Aberdeen, Phone: 725-2328 - Area 2
• Cindy Fredrich - Home Federal Bank, Pierre, Phone: 224-5817 - Area 3
• Lori Norby - CU Mortgage Direct, LLC, Madison, Phone: 256-8285 - Areas 4 & 7
• Daryl Halvorson - Great Western Bank, Milbank, Phone: 432-1500 - Area 5
• Alona Burtz - First Fidelity Bank, Winner, Phone: 842-3811 - Area 6

Judging Criteria

Loan officers who have consistently utilized SDHDA’s First-time Homebuyer Program in the last year and who have attended SDHDA’s education training were chosen as top producers in our program.

Click here for a printable list of all  Participating Lenders

SDHDA Participating Lenders originate, process and close all SDHDA First-time Homebuyer Program loans.  To obtain an SDHDA First-time Homebuyer Program loan, you must contact a Participating Lender to begin the application process.

Most lenders will pre-qualify you before you purchase a home. Whether you are being pre-qualified or actually applying for a First-time Homebuyer Program loan, it is important to be prepared for the loan interview. The lender may require such things as a copy of the purchase agreement (if applicable), bank statements, paystubs, tax returns, and names and addresses of your creditors.  The exact requirements may vary from lender to lender, and you may want to ask what documentation is needed when you call for an appointment.

On behalf of SDHDA, five Master Servicers (who are also Participating Lenders) will collect your mortgage payments and otherwise service the loans.