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Making Your First Home Happen

As one of the nation’s strongest community banks, First PREMIER Bank understands the excitement and challenges of buying a home for the first time. As a South Dakota Housing approved lender, we have access to an array of affordable housing solutions and money-saving programs to fit your financial situation.

Financial Options for First-Time Buyers.

Just a few interest points can mean thousands of dollars over the life of a home loan. The team at First PREMIER can help you understand your options and see what programs you may qualify for. We recognize getting a home loan can be overwhelming and we’re committed to being by your side from application to close.

Local Decisions. Local Lenders.

All our lending decisions are made locally, and we’re committed to providing personal, responsive service throughout. We also believe in the power of community, supporting nearly 700 organizations, non-profits and events with our time and resources.

Strength That Matters.

As one of the nation’s strongest community banks, First PREMIER has the financial capability for today’s mortgage market. We understand the different neighborhoods, local tax structures and other factors that may impact your monthly payments, allowing us to look out for you in ways that really make a difference.

Four Tips for First-Time Buyers

First PREMIER is committed to helping you find the right financing to make your first home happen. We work hard to make the process as smooth as possible. Once we’ve approved your application and started processing your home loan, follow these first-timer tips to prevent hassles, hang-ups or added stress.

Avoid quitting your job, becoming selfemployed or changing employers. Steady employment is critical to securing a home loan. Most lenders require two years at one job. Switching employers mid-process may delay your home.

Don’t fall behind on any of your current payments. Your payment history makes up more than one-third of your credit score. Just one late payment before closing could sink the deal.

Learn more and start your application at

rstpremier.com/home

Don’t finance new cars, furniture, flooring or any other major purchases. Your debt-toincome (DTI) ratio is a significant factor when considering your qualification level. If you add more debt during the process, it could affect your terms. Additional credit checks may also negatively impact your credit score, potentially changing your rate and loan eligibility.

Avoid spending your savings. Unless you do a First-Time Homebuyer loan or have negotiated with the seller, your down payment and closing costs won’t be covered in your loan. You may need your savings to help cover these costs on closing day. 1 2 3 4

OPEN SUNDAY, APR. 7 11:30 - 1

1703 Arnold Palmer Ln., Elk Point, SD

4 bed | 3 bath | 3-stall garage | $424,000

CALL ALL GOLF ENTHUSIASTS!

Move-in ready dream home on the course awaits!

This stunning 4-bedroom, 3-bathroom ranch-style home is nestled on the 4th hole of The Pointe Country Club Golf Course in Elk Point, SD. Imagine teeing off just steps away, then relaxing on your spacious deck with shade all day long, perfect for post-round gatherings.

Beautifully updated for instant enjoyment, the home boasts brand new LVT flooring in the living areas and plush carpet in the bedrooms and lower family rooms. Upstairs, three bedrooms and two bathrooms provide ample space for family or guests, while downstairs, two dedicated family rooms offer the perfect haven for entertainment or a dedicated kids’ haven. Recent upgrades include a new AC unit for efficient climate control, fresh paint inside and out, all new flooring and out for a modern feel, and meticulously maintained landscaping with concrete edging and rock details. The three-stall garage, complete with cabinets, even offers a ready space for your golf cart. Don’t miss your chance to experience this unique blend of luxurious living and convenient golf course access –schedule your showing today!

ELK

SUNDAY - 11:30-1 PM

1703 Arnold Palmer Ln. - $424,000

Brandi Jorgens en 605-232-1819

HARRISBURG

SATURDAY 1-3 PM

306 Jeannie Ln. - $399,000 4 Bed, 3 Bath

Chuck Moss 605-376-6722

Chuck Moss Real Estate LLC

HARRISBURG

SATURDAY 1-3 PM

412 Macey Ave. - $319,900

3 Bed, 2 Bath

Susette Fujan 605-310–5668 Hegg Realtors

CENTERVILLE

461st Ave. - $110,000 2.51 Acre Philip Eggers 605-351-5438

Westra Auction Land & Realty

Baths

John Schutte 605-310-9440

Keller Williams Realty

SIOUX

2605 W. 39th St. - $345,000 3 Bed, 2 Bath Philip Eggers 605-351-5438 Westra Auction Land & Realty

SATURDAY - 1-2:30 PM

7304 E. Misty Knoll Cir. - $929,500

5 Beds, 3.5 Baths

John Schutte 605-310-9440

Keller Williams Realty

ELK

SUNDAY - 11:30-1 PM

1703 Arnold Palmer Ln. - $424,000 4 Beds, 3 Baths

Brandi Jorgensen 605-232-1819

J&M Real Estate Group

HARRISBURG

SATURDAY 1-3 PM

306 Jeannie Ln. - $399,000 4 Bed, 3 Bath Chuck Moss 605-376-6722

HARRISBURG

SATURDAY 1-3 PM

412 Macey Ave. - $319,900 3 Bed, 2 Bath

Susette Fujan 605-310–5668 Hegg Realtors

BRANDON

SUNDAY - 1-2:30 PM

7304 E. Misty Knoll Cir. - $929,500 5 Beds, 3.5 Baths

John Schutte 605-310-9440

Keller Williams Realty

SUNDAY 2-4 PM

2805 E. Augusta Cir. - $539,000 3 Bed, 2 Bath

Chuck Moss 605-376-6722

Chuck Moss Real Estate LLC

SIOUX FALLS

SIOUX FALLS

1304

4605

3525 E. SIASCONSET PL.,

FALLS, SD 3 Bed | 2.5 Bath

4212 S. HICKORY HILL RD., SIOUX FALLS, SD 4

If you have been struggling to find an affordable site to build, your search is over! Not only do you get 2+ acres of peace and quiet, you also get an established tree belt on an blacktop road! Come take a tour, bring your building plans, and get started on making your dreams a reality.

for game areas or the home office you have always wanted.

This fabulous home is nestled in the heart of Harrisburg & offers an ideal blend of comfort, convenience & beauty! Upon entry, the spacious & inviting foyer leads you to an open & vaulted living room filled w/natural light! The kitchen features a pantry & large island well-appointed w/extra cabinetry, while the adjacent dining room includes a slider to deck! Primary bedroom boasts a tray ceiling, fan & oversized dbl closets. A second bedroom & full bath complete the main level. The lower level offers a generous family room, bright garden windows & walk-out to a relaxing patio space! Fantastic bathroom has a tiled shower adorned w/beautiful accent tiles & the 3rd bedroom finishes the lower level. An oversized garage equipped w/ shelving complements the ample storage found throughout the home! Green thumbs will love the backyard garden w/ wood-surround. Plus, new roof (2023), water heater (2023) & reverse osmosis water system (2021)! Enjoy a lifestyle of modern living in a prime location!

Susette

Is a move in 2024 in your future? The market is heating up! If you have considered buying or selling this year but don’t know where to start, give me a call to discuss your options. I would be happy to meet with you and discuss your real estate goals for the new year!

SMITH COVE NEAR LAKE MADISON AND LONG LAKE

Exciting new development nestled between Long Lake and Lake Madison in Lake County just 45 minutes from Sioux Falls. From flat lots to walkout lots. Lot sizes range from .59 acres to 2.28 acres. Lot prices range from $89,900 to $210,000. Hard surfaced roads right to your front door. Conveniently located near restaurants and 9-hole golf course. The city of Madison is just 10 minutes away. Utilities include rural water, sanitary sewer, natural gas and electricity. You can also choose your own builder. Architectural guidelines are in place. Members of LLC are licensed Real Estate Brokers in South Dakota. Listed by Randy Rozeboom, Broker Owner and Eric Johnson, Broker Associate with Harr & Lemme Real Estate, Inc.

Desirable end unit two story condo in Aspen Heights on the west side of Sioux Falls with 2 bedrooms and 1 and a half bathrooms with dual sinks in full bathroom. Tons of storage with a large kitchen pantry, owners suite walk in closet, linen closets and extra shelves. New laminate flooring on main level and owners suite on upper level. HOA fee of $275 per month covers snow removal, lawn care, landscaping and sprinkler system, exterior building maintenance/insurance, water/sewer and garbage. There is also a large yard!

Welcome to the Lakes Community located between Lake Madison and Lake Brant. This walk out lot is located on hole number 4 of the Lakes Golf Course. Great views of Round Lake, Hole number 3 green and hole number 4 tee box. Living on the golf course is like being on vacation all year long. The small HOA fee takes care of streetlights and a park that borders Round Lake with a community dock, playground, sand volleyball court and will be adding a pickleball court in 2024. The Road District is assessed on taxes at $600 a year to cover road maintenance. Lake Madison Sanitary Sewer district, Sioux Valley Electric, Big Sioux Rural Water and Northwestern Energy handle the utilities that are at the lot. Just a short golf cart ride away is Lakes Bar & Grill that is open year round with a friendly and inviting atmosphere as well as great food. Covenants and Restrictions apply to help protect your investment.

185 LAKE RIDGE DR., WENTWORTH, SD - $130,000

Oakcrest