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Frequently Asked Questions
Answers to common buying & selling questions
Buying
The Tyler Goff Group guides buyers through defining goals and budget, getting pre-approved for a mortgage, partnering with a knowledgeable agent, searching and touring homes, making competitive offers, completing inspections and negotiations, securing final loan approval, and closing. They also provide ongoing support after purchase, including referrals and market updates.
Buyers can search for single-family homes, condos, townhomes, investment properties, and land ready to build on across Sioux Falls neighborhoods. The team provides custom alerts, virtual and in-person showings, and access to off-market listings to uncover hidden opportunities.
Consider why you’re upgrading—such as growing family or lifestyle changes—and focus on layout efficiency over just size. Evaluate neighborhoods like West Sioux Falls, East Sioux Falls, Brandon, or Tea for schools and amenities. Understand all costs including taxes and maintenance. Use equity strategically, time your sale carefully, and think about resale potential. The Tyler Goff Group specializes in helping buyers navigate these complexities.
To get pre-approved, provide proof of income, credit history, debt-to-income ratio, and bank statements to a lender. The Tyler Goff Group partners with trusted local lenders who offer fast approvals and clear communication, helping you understand your purchasing power before you start home shopping.
Conventional loans offer flexibility with competitive rates and low down payments for buyers with good credit. FHA loans assist first-time buyers with lower credit requirements. VA loans provide no down payment options for veterans. USDA loans support rural and suburban buyers with zero down payment. Jumbo loans finance higher-value properties. The Tyler Goff Group connects buyers with lenders and helps navigate these options.
Through their high-tech tools and extensive local connections, the Tyler Goff Group identifies off-market opportunities that match buyer criteria. This approach helps buyers find hidden gems and reduces competition, enhancing chances of securing the right home.
Selling
The Instant Offer Program provides upfront cash offers with no home prep or showings, ideal for sellers needing convenience or to buy before selling. The Max Profit Listing Program uses high-powered marketing, condensed showings, and expert negotiation to sell for up to 10% above market average. The Off Market Listing Program offers private marketing with flexible exposure, suited for sellers not ready for public listing or building a new home.
The team analyzes 5 active, 5 pending, and 5 sold comparable properties in Sioux Falls, Brandon, Harrisburg, Tea, and other southeast South Dakota communities. Combined with market statistics and local expertise, this method sets a competitive price that attracts buyers and meets seller goals.
Marketing includes top placement on Google, Bing, and major portals to reach 92% of online buyers, plus email outreach to targeted buyer networks across South Dakota and beyond. For-sale signs with text-enabled keywords capture buyer contacts instantly. The team also uses Brivity for real-time updates and transparent communication, ensuring sellers stay informed throughout the process.
The team helps with home preparations, optimized listings, virtual tours, and streamlined showings. They provide market data, explain the selling process, and keep sellers informed with constant updates. Experienced negotiators work to maximize sale price while coordinating moving details and closing logistics.
This program is ideal for sellers who want privacy, are building a new home, or aren’t ready for a full public listing. The team markets the home to a network of potential buyers behind the scenes, allowing sellers to sell on their own terms without overexposure.
Sellers avoid decluttering, repairs, and inspections. They receive upfront terms and can stay in their home while shopping for the next one without sale contingencies. The program suits sellers needing quick sales or those who want to minimize disruption.
Home Maintenance
Key tasks include inspecting for roof damage and clearing gutters, power washing and touching up exterior paint, servicing HVAC systems, checking windows and door seals, ensuring proper drainage around the foundation, staging patios and decks, testing safety detectors, deep cleaning, and addressing minor repairs. These steps protect investment and increase appeal for future resale.
Homeowners should clear snow away from foundations, keep gutters clear to prevent ice dams, schedule furnace maintenance, seal windows and doors to reduce drafts, insulate pipes to prevent freezing, monitor indoor humidity, clear walkways promptly, inspect attic insulation, test smoke and carbon monoxide detectors, and check for storm damage to roofs and siding. These steps preserve comfort and home value during harsh winters.
Homeowners should clear gutters and downspouts, schedule HVAC tune-ups, seal drafts around windows and doors, check roof shingles and chimney safety, drain outdoor plumbing and store hoses, trim trees and mulch garden beds, test smoke and carbon monoxide detectors, clean and store outdoor furniture, declutter indoors, inspect attic insulation, and ensure snow removal equipment is ready. These tasks protect the home from winter damage and enhance curb appeal.
Homeowners should power wash siding and walkways, touch up exterior paint, clean gutters, service air conditioning units, trim and edge landscaping, repair outdoor structures, clean and seal windows, inspect roofs for damage, freshen outdoor living areas, check for pests, upgrade exterior lighting, and test safety detectors. These efforts improve home appearance and functionality, attracting buyers and preserving value.
Financing
These loans are not government-backed and typically require a credit score of 620 or higher. Down payments can be as low as 3%, though 20% avoids private mortgage insurance. Conventional loans cover various property types including single-family homes, condos, and townhomes, making them a popular choice for many Sioux Falls buyers.
Insured by the Federal Housing Administration, FHA loans allow down payments as low as 3.5% and accept credit scores as low as 580. They have more lenient debt-to-income requirements, helping buyers with limited savings or less-than-perfect credit qualify for a mortgage in Sioux Falls.
Backed by the Department of Veterans Affairs, VA loans allow qualified buyers to purchase homes with minimal upfront costs. They feature flexible qualification criteria and are a highly affordable path to homeownership for Sioux Falls veterans.
These loans are designed to promote homeownership in qualifying rural areas near Sioux Falls. Benefits include no down payment requirement and lower-than-average mortgage insurance costs, making them attractive for buyers seeking affordable financing outside the city center.
For homes priced above approximately $766,550 in 2025, jumbo loans are necessary. Borrowers typically need credit scores of 700 or higher, down payments between 10-20%, and strong financial reserves. These loans are common for luxury homes, acreage, or multi-family investments in Sioux Falls.
Fixed-rate loans provide consistent monthly payments, ideal for buyers seeking long-term stability. Adjustable-rate mortgages (ARMs) begin with lower rates that adjust after a set period, beneficial for buyers planning to sell or refinance within a few years. The Tyler Goff Group helps buyers choose based on risk tolerance and plans.
Options include receiving gift funds from family or friends, applying for local or federal down payment assistance programs, and negotiating seller-paid closing costs. The Tyler Goff Group coordinates with lenders and sellers to structure offers that keep initial expenses manageable.
Local Market & Expertise
While information is widely available online, the team’s deep local knowledge, negotiation skills, and strategic marketing provide advantages buyers and sellers can’t get from automated tools alone. They offer transparency, constant communication, and tailored guidance to handle unexpected challenges and maximize results.
The group uses Brivity for real-time marketing updates, smart text-enabled for-sale signs to capture buyer leads instantly, targeted internet advertising on major search engines, and virtual tours including drone videos. These technologies enhance exposure and streamline the buying and selling process.
The team’s local market knowledge covers a broad spectrum of neighborhoods and communities in southeast South Dakota, helping buyers and sellers find the right fit whether in urban, suburban, or rural settings.
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