For people who are considering buying their first home, or even their 3rd home, it is easy to get over-whelmed by the variety of home financing options available. Thankfully, by taking the time to research those options, buyers can save a substantial amount of time and money. Also by having some knowledge about the market, for instance, where the property is located can result in added “perks” for the buyers. Buyers also need to review their own finances to make certain they are getting the best mortgage for their situation.There are three main types of mortgage loans. ConventionalThe first type of loan is a conventional loan.  First time homebuyers can also use Conventional loan financing which is a fixed-rate mortgage that is not insured or guaranteed by the federal government. Due to... 11/05/2017

Purchasing a home is a tremendous commitment, one that has an impact on your credit and funds like no other purchase could. Acquiring a home is usually regarded a very good investment. According to real estate experts, the housing market is currently advantageous to buyers, with the charges and interest rates remaining minimal. Nevertheless, today, a bad history of credit can be a more significant hindrance for potential buyers than it had been previously, because the current financial meltdown has triggered loan providers to tighten up their requirements for loaning funds as well as providing mortgages. The vast majority of homes are purchased through mortgage loans, but most conventional mortgage loans require 20% upfront payment and that is certainly a large chunk of change that lots... 11/05/2017

 The real estate market is very competitive in Sioux Falls.  In Sioux Falls, most would concur that it’s a seller’s market.  But, I think it’s safe to say that it’s a buyers’ market in Sioux Falls due to the interest rate being so low. This article is going to give you 11 tips to sell your home fast in Sioux Falls.1. Make your online marketing compelling: Most homebuyers begin their house hunting right from the internet, and they won’t stop to even contemplate coming over to see your home if the online listings do not compel them. And in real estate, when we say “compelling,” we are talking about stunning pictures! 92% of homebuyers start their house hunt online, and they will never even get in the car to come see your home if the online listings aren’t compelling. In real estate, compe... 11/05/2017

Looking for some entertainment in your local area? Do you love rocking out to your favorite songs performed live? Luckily, I have compiled a list of Upcoming Sioux Falls Concerts [2017] from local bands to big names in the industry! Hope you enjoy what I found :)Upcoming Sioux Falls Concerts [2017] Dierks Bentley, Cole Swindell, and John Pardi. | February 19th @ 7:30PM. | Premier Center Link: http://www.bandsintown.com/event/13215282-dierks-bentley-sioux-falls-denny-sanford-premier-center-2017?artist=Dierks+Bentley&came_from=178 Skillet, Sick Puppies and Devour The Day | February 21st, 6:30PM | The District Link: http://www.bandsintown.com/event/13642696-skillet-sioux-falls-the-district-2017?artist=Skillet&came_from=178 Martin Sexon | February 23rd, 6:30PM | The Icon Lounge Link: http:/... 11/05/2017

Downtown Sioux Falls has the nightlife, adorable shops, and 5-star eateries that every big city has. What types of food is available downtown? Are there places to have a drink or two? What kind of clothing stores are there? Are there any shops for kids? Well I have multiple different places that you will love or be happy to visit again! Check out these 10 amazing shops and businesses located in downtown Sioux Falls. Breadico, an eatery specializing in sourdough breads, serves various foods from wood fire pizza to your favorite sandwich. You can’t go wrong stopping by and even having a cup of coffee! Located on North Weber Ave. Chelsea’s Boutique, located on Phillips Avenue, serves the community’s desire for fashion and friendly associates. Their team makes you feel welcome the moment yo... 11/05/2017

Looking for something to do this upcoming Valentine’s Day in your local area? Luckily for you, I have some great suggestions on how to celebrate this day of love! Here’s what they: On February 11th, the El Riad Shrine is throwing their 20th annual Valentine’s Day Bash with The Johnny Holm Band. Located on Phillips Avenue of Downtown Sioux Falls, you could spend your Saturday night with the one you love and dance the night away! Tickets can be purchased at the Shrine or Lewis Drug. If a live band isn’t your thing, there is a Matinee Wine Tasting and Sale on February 11th from 1-3 PM located at The Market on 6th Street. Spend your time sampling some amazing wine and if you love it, there is a 10% discount on the wines you sample! Another activity that includes wine and a yoga mat is at CP... 11/05/2017

It’s the weekend. A time for recuperation and relaxation. You look outside..it’s snowing, the wind is blowing over your trash can, and you would do anything to stay inside. However, you contemplate your options and realize all of the unique entertainment options that Sioux Falls has to offer. What are these options, you say?  If you are looking for a comfortable, friendly atmosphere that serves a great cup o’ joe, you could always check out Josiah’s coffee house. Here, you can either sit down with your custom latte and read a book or meet up with some friends to chat about the week. If you are looking to do something active with the family, but prefer to stay indoors, check out the Scheels Iceplex for skating and maybe even play a game of hockey. Another indoor activity could include a ... 11/05/2017

This is a question that remains ever popular among home buyers. Closing costs are the fees associated with obtaining a home mortgage.  Typical closing costs are about 3% of the total purchase price. For instance, if you are purchasing a home for $200,000, closing costs will be about $6000.00. Closing costs are make up of several different lender fees and closing costs can also be prepaid items. Let's look at a few examples:Closing Costs Lender Fees: Loan Origination Fee (typically 1% of the total purchase price or loan amount) | Processing Fee | Appraisal Fee | Credit Report Fee | Settlement Fee | Title Fee | Recording Fee | Survey Fee | Underwriting Fee | Flood Certificate |  Home Warranty | Home Inspection | Pest Inspection | Radon Inspection | Roof Inspection | Lead Base Paint Inspec... 11/05/2017

Whether you’re grabbing something quick on the run or need a relaxing weekend brunch experience, there’s plenty of options in Sioux Falls. The best place to check for peer recommendations is Yelp. We’ve done for work to save you time. Here are some of the highest rated choices.🍛 Where are breakfast restaurants near me?Bob’s Carryout & Delivery: 1312 W. 12th Street, Sioux Falls, SD. This address is in the 57104-zip code area. For more information, call 605-336-7260. They are open Tuesday – Thursday from 9 AM – 8 PM, Friday – Saturday from 9 AM – 9 PM, and Sunday from 9 AM – 7 PM. This restaurant has 95 reviews and a 4.5-star rating. Don’t have time to stop for breakfast? No problem! They deliver. Be sure to check their delivery area and rates. Eggs and more options include Steak, Hamburg... 11/05/2017

  If you are new to the world of purchasing a home, you are probably unsure of what to expect when it comes time to get a mortgage loan. You want to make sure you get everything you need in your new home, without spending more on the mortgage than you should. That means you need to have a sound understanding of what the mortgage loan process entails and what you should expect. 🎊When and How to Apply for a Mortgage Loan Once you have made the decision to purchase a home, you want to consider applying for the mortgage right away. This will help you gain an understanding of how much home you can afford. It will also save you time and energy in the end and make the buying process go that much quicker. You have the option of applying for a mortgage loan through one of the lenders themselves ... 11/05/2017

It's never easy selling your house. On the emotional side, you hold on to memories made while you lived in the home. Still, there are times when the need to move on to another adventure arises. When it does, you do the best to walk into the process prepared for what’s to come. Here are six basic steps to selling a house that can help you feel confident above moving forward.Find the Right Real Estate AgentYou need a real estate agent who has the knowledge and experience to sell your home as quickly as possible. Finding the right real estate agent is the first step to taking the stress from your shoulders. It's crucial that you find someone who is trustworthy, listens to your needs, and communicates at the highest level. Don't be afraid to interview several real estate agents before setti... 11/05/2017

Anyone looking to sell their home wants to make sure they get the best price possible. You don't want to end up losing money on your home simply because you weren’t prepared. You are dealing with a major investment, and it deserves serious research. Before you move forward with the home selling process, check out these helpful tips meant to help you feel prepared. 🗻Asking Price vs. Selling Price There is an asking price and a selling price of a property. The asking price is the price a seller sets for the house. The selling price is what a buyer is willing to pay. A home seller might ask $100,000 for a property but end up selling it for $85,000. The key to success is making sure you set the asking price correctly from the start.🏝Determine Your Home's ValueThe best way to determine the v... 11/05/2017

Purchasing a home is one of the biggest milestones in your life. You get the chance to be in complete control of everything you want to do to the home. From choosing the paint color to swapping out the flooring, you are the one who makes the final decision on how things are going to go. It is all a matter of finding the right home to help bring your dream to life. But, how do you know where to start and what to look for in the property?Your Credit Report Matters Many people don't think about how important their credit report is until it’s too late. You want to get a copy of your credit report from the three main reporting agencies. Check them for delinquencies and errors. Plan to pay delinquent accounts and report errors to the appropriate agency. A poor credit score may equal a higher ... 11/05/2017

Here you will find a comprehensive list of restaurants open on Thanksgiving Day in Sioux Falls. Notably the list will include the name of the restaurant, address, phone number, website, hours, and the types of meals or menu options being served on Thanksgiving Day in Sioux Falls.Cracker Barrel605-362- 9395 | 2409 S Shirley Ave Sioux Falls, SD Open 6AM – 10PM Website: Click here Thanksgiving Dinner | Adults 12.99 | Kids 7.99 Holiday Inn City Centre605-339- 2000 | 100 W 8th St Sioux Falls, SD Open 10AM – 2PM Website: Click here Thanksgiving Buffet | Adults 22.95 | Seniors 19.95 | Kids 14.95 🦃 Reservations Required 🦃 Ruby Tuesdays605-275- 2425 | 2425 S Shirley Ave Sioux Falls, SD Open 930AM – 9PM Thanksgiving Buffet Served untill 3PM | 15.99 – 17.99 Perkins Family Restaurant605-361- 7525 |... 11/05/2017

9004 Kingfisher Circle Sioux Falls, SD  57107 This home is located on a quiet cul-de-sac In Cherry Lake Development. You will enjoy the ambiance of this planned development with a lake, walking paths around the lake, play ground, and a generous beach area. Great 5 bedroom 4 bath ranch walk out with a oversized triple stall heated garage. Hevea hardwood floors in the kitchen, dining, and living room with wood looking ceramic floors in the entrances of the home. The garage is oversized with hot and cold running water and a gas hanging heater. Walk directly into the laundry room with a built in bench and a sliding door to the kitchen.The covered front porch has 10 ft ceilings and corner knick knack shelves with puck lights. Double crown molding with rope lights in a recessed ceiling. Lower... 11/03/2017

8208 E Willow Leaf St Sioux Falls, SD - Willow Ridge Neighborhood WINNER - 2017 Fall Parade of Homes - THIS HOME WAS THE WINNER! Description Photos Maps & Local Schools Print Brochure Follow This Home! Homes Close to Where You Work Sioux Falls Homes For Sale Sioux Falls Homes for Sale East Sioux Falls Homes for Sale Search All Homes For Sale Free Home Values Avoid Foreclosure Presented By: RL Real Estate Group Broker Owner RL Real Estate Group 605-212-8431 Licensed In: SD License #: 15683   Schedule a Showing/Request Info $ Click for current price3 BEDs | 2 (1 full, 1 3/4) BATHROOMS | 1506 SQUARE FEET Apx 8208 E Willow Leaf St Sioux Falls, SD 571108208 E Willow Leaf St is another Remarkable New Construction home built by this year's Parade of Homes Winner. This exceptional builder has ... 10/22/2017

26964 Elmen Pl, Sioux Falls, SD 57108 FOR SALE! New Listing!!! Description Photos Maps & Local Schools Print Brochure Follow This Home! Homes Close to Where You Work Sioux Falls Homes For Sale Sioux Falls Homes for Sale East Sioux Falls Homes for Sale Search All Homes For Sale Free Home Values Avoid Foreclosure Presented By: RL Real Estate Group Broker Owner RL Real Estate Group 605-212-8431 Licensed In: SD License #: 15683   Schedule a Showing/Request Info $ Click for current price6 BEDROOMS | 3315 SQUARE FEET Country Living Just Outside of Sioux Falls! This custom built, multilevel home sits on .90 acres and is located just on the edge of Sioux Falls so shopping and all the conveniences of Sioux Falls are close-by. Enjoy 6 bedrooms | 3 baths | triple heated garage with built in mudro... 10/22/2017

We have all heard about Halloween safety tips. There is a very good reason for this, too! Many kids and teenagers have experienced injuries, sickness, and even died as a result of failure to adhere to safety on this particular holiday. While Halloween is a fun and festive holiday for all, it can also be a very dangerous one if the right safety measures are not put into place. Lots of children across the globe enjoy Halloween and have a great time that day. However, it is important to keep your children under some supervision to keep them safe. Especially children which are at a young age, they can be injured that night. To be frank, how often is safety discussed in your family? Is it a priority? Do you make it a point to go over some simple, but life-saving safety guidelines? Probably n... 10/22/2017

The market of Halloween costumes has always been on a rise over the centuries. This shows how crazy people are for Halloween costumes. Everybody including kids, teens and adults desires wearing a Halloween costume, especially around 31st October every year. The event is also an opportune moment to wear all those costumes that do not go well with formal occasions. So, how can someone find a cheap Halloween costume? Below are eight tips to consider while looking for affordable Halloween costumes.Use Things You Already Have In Your HouseThis is a tip that you will find very useful. Some people gather old clothes in their homes and make a Hobo Halloween costume. Even mop-heads can be used as wigs while you can tie-dye some old clothes and go as a hippie. You can also consider using an old s... 10/22/2017

Consumers intending to buy materials for home made Halloween costumes in Sioux Falls can find nice assortment of costume sizes in a costume shop, sometimes in local stores around Halloween time, and online through various sellers.7 Stores to Buy Materials for Homemade Halloween Costumes in Sioux FallsBelow is a directory of where to buy materials for home made Halloween costumes in Sioux Falls. Name: Hobby Lobby  Address: 2400 S Lorraine Drive, Sioux Falls, SD 57106 Phone Number: (605) 336-0750Website: CLICK HERE Hours: Monday-Saturday [9am–8pm] Sunday [Closed]You May Also Like: List of 15 Halloween Events in Sioux Falls  Name: Michaels  Address: 3801 W 34th Street, Sioux Falls, SD 57106-4310 Phone Number: (605) 361-7006Website: CLICK HERE Hours: Monday - Saturday [9AM - 9PM] Sunday [10... 10/22/2017