Buyer Packet
Everything a South Dakota home buyer needs in one place — the paperwork, the timeline and what your Winner REALTOR® handles at each stage.
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Buying information
Buyer resources from Winner REALTORS®
Regardless of how ideal the market may seem, it's still a good idea to sit down with your real estate agent, think about how you see your life in three or five years, and ask yourself some pointed questions. Start here — then download the buyer packet and give us a call.
Before you buy
4 questions to ask before buying your home
Tap each question for the honest answer we give buyers across South Dakota and Nebraska.
Buying a house will have a significant impact on your finances, so make sure you can handle it. Housing is more affordable than ever and incentives like low interest rates and tax credits entice buyers into the market — but purchasing property involves a lot of upfront costs: closing costs, down payment, new furniture, moving expenses. There are rural development loans where you do not need a down payment, coming with a 0.5% higher interest rate; with interest rates low, those loans have become very popular.
Free downloads
Buyer packets & guides (PDF)
The same documents we hand buyers at our Winner office — download, print or save them before your first showing.
Consumer Guide
The state consumer guide to real estate relationships — how agency works and who represents whom in your transaction.
Download PDFBuying a Home Before 1978
The federally required lead-based paint pamphlet for buyers of homes built before 1978 — what to test, what to ask for.
Download PDFThe process
Six steps from browsing to keys
- 01
Get pre-approved
Talk to a lender before you talk to a REALTOR®. Knowing your real number changes what neighborhoods and lot sizes make sense.
- 02
Define your must-haves
Beds, baths, garage, yard, school — write down the top three. Everything else is a nice-to-have.
- 03
Tour with us
We line up 3–6 properties at a time so you can compare side-by-side while it's fresh.
- 04
Make an offer
We help you structure price, contingencies and close date to win without overpaying.
- 05
Inspection & appraisal
Don't skip either. On rural South Dakota properties, add the well and septic reports.
- 06
Close & move in
Sign at the title company, get your keys, and we hand you a bottle to celebrate.
Two mistakes we see most
- Waiving the inspection to win a bidding war. Don't.
- Forgetting closing costs. Budget 2–3% on top of your down payment.
Questions? Talk to a Winner REALTOR®
We love our customers, so feel free to visit during normal business hours.
Drop us a line