Here's a fact that's often overlooked by new homebuyers: not all mortgages are created equal. Some customers get so caught up in the hunt for the perfect house that, when it comes time to purchase, they rush through the mortgage process without considering all their options. 

This is completely understandable. However, we believe working with a local mortgage lender, like the Dawn Van Nieuwenhuyzen Team at Plains Commerce Bank, offers unique advantages that homebuyers should know about before they seal the deal. Here are just a few of the advantages local mortgage lenders can offer. 

We Know the Local Market

Real estate is always about specific regions and neighborhoods, so local knowledge matters. You probably wouldn't ask a friend from Atlanta for restaurant suggestions in Boise. Why would you turn to a national mortgage lender from, say, Seattle for help purchasing a 3-bedroom, 3-bath home in a safe South Dakota neighborhood? 

By contrast, local lenders know your market because they live there. We always have our finger on the pulse of the economy, and we bring more specific insights about home-buying opportunities. 

We're More Flexible

Smaller local mortgage lenders can often work with you in ways that larger ones cannot. That's because large lenders are limited by the high volume of applications they need to efficiently process. This fact alone means a local lender can offer more flexibility with the terms of your loan, the timeline, and the process as a whole.

At Plains Commerce, we do all we can to customize your mortgage to meet your needs, and that starts with added flexibility. 

We're More Responsive

Local lenders can respond faster to your questions and needs during the mortgage process. At Plains Commerce, being local means decisions about your mortgage are made right here in the Dakotas, not some far-off mega lender. This generally results in a fast approval on your loan too, and who doesn't want that?

We Keep It Simple

Okay, we can't speak for all local lenders on this last one, but it's at least true for Plains Commerce—we do all we can to keep the process simple. Truth is, mortgages and interest rates and legal and compliance procedures are complicated, but we keep it simple for you. 

Want to apply for your mortgage online? That works for us. Prefer to have your mortgage payments automatically deducted from your checking account? We can do that, as well.

Plains Commerce Means Local

If you're shopping for a new home in the region, get in touch with myself and together we’ll find a mortgage solution that fits your budget and financial goals. We offer a range of loan types, and, as always, we're happy to customize to suit your needs. 

If you have any mortgage questions, feel free to reach out. I'd love to connect!

Dawn – 605.271.9754

Dawn Van Nieuwenhuyzen – Senior Mortgage Banker – NMLS #21096 – Plains Commerce Bank

Member FDIC. Equal Housing Lender.