---
title: The First-Time Homebuyer's Guide to Mitchell
description: Seeking a great place to live in Mitchell? If you're a first-time homebuyer, SDHDA can help you finance your first home in South Dakota's sixth-largest city.
image: https://info.sdhda.org/hubfs/SDHDA_Blog_Dec_Mitchell.jpg
---
[](https://www.sdhda.org)
- Programs
- [Homeownership](https://www.sdhda.org/homeownership)
- [First-Time Homebuyer](https://www.sdhda.org/homeownership/first-time-homebuyer)
- [Repeat Homebuyer Program](https://www.sdhda.org//homeownership/repeat-homebuyer-program)
- [Governor's House Program](https://www.sdhda.org//homeownership/governors-house-program)
- [Home Improvement](https://www.sdhda.org/homeownership/home-improvement)
- [Downpayment Assistance](https://www.sdhda.org/homeownership/downpayment-assistance)
- [Tools](https://www.sdhda.org/homeownership/tools)
- [My SDHDA Loan](https://www.sdhda.org/homeownership/my-sdhda-loan)
- [Lenders](https://www.sdhda.org/homeownership/lenders)
- [Realtors](https://www.sdhda.org/homeownership/realtors)
- [Renting](https://www.sdhda.org/for-renters)
- [Rental Assistance](https://www.sdhda.org/for-renters/rental-assistance)
- [Rental Housing Search](https://www.sdhda.org/for-renters/rental-housing-search)
- [Do I Qualify](https://www.sdhda.org/for-renters/do-i-qualify)
- [Affordable Rental Housing Frequently Asked Questions](https://www.sdhda.org/for-renters/affordable-rental-housing-frequently-asked-questions)
- [Fair Housing and Your Rights](https://www.sdhda.org/for-renters/fair-housing-and-your-rights)
- [Tips For Renters](https://www.sdhda.org/for-renters/tips-for-renters)
- [Legal Services of SD](https://www.sdhda.org/for-renters/discrimination-complaints)
- [Property Management](https://www.sdhda.org/property-management/education-and-training)
- [Education and Training](https://www.sdhda.org/property-management/education-and-training)
- [Fair Housing and Legal](https://www.sdhda.org/property-management/fair-housing-and-legal)
- [Property Management Resources](https://www.sdhda.org/property-management/management-resources)
- [Program Compliance](https://www.sdhda.org/property-management/program-compliance)
- [Social Programs](https://www.sdhda.org/social-programs/)
- [Disaster Relief Funding](https://www.sdhda.org/social-programs/disaster-relief-funding)
- [Security Deposit Assistance](https://www.sdhda.org/social-programs/security-deposit-assistance-housing-development)
- [Homeowner Rehabilitation Program](https://www.sdhda.org/social-programs/homeowner-rehabilitation-program)
- [Emergency Solutions Grants Program](https://www.sdhda.org/social-programs/emergency-solutions-grants-program)
- [Paint-South Dakota](https://www.sdhda.org/social-programs/paint-south-dakota)
- [Continuum Of Care](https://www.sdhda.org/social-programs/continuum-of-care)
- [Section 811 PRA Program](https://www.sdhda.org/social-programs/section-811-pra-program)
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- [Contact Us](https://www.sdhda.org/about/contact-us)
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- [Investors](https://www.sdhda.org/investors/liquidity-reports)
- [Liquidity Reports](https://www.sdhda.org/investors/liquidity-reports)
- [Disclosure Reports](https://www.sdhda.org/investors/disclosure-reports)
- [Financial Reports](https://www.sdhda.org/investors/financial-reports)
- [Annual Reports](https://www.sdhda.org/investors/annual-reports)
- [Municipal Advisor Disclosure](https://www.sdhda.org/investors/municipal-advisor-disclosure)
- [Blog](https://blog.sdhda.org/)
- [Contact](https://www.sdhda.org/about/contact-us)
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[Home](https://sdhda.org/) [](https://sdhda.org)
- [Homeownership](https://www.sdhda.org/homeownership/home-ownership)
- [First-Time Homebuyer](https://www.sdhda.org/homeownership/first-time-homebuyer)
- [Repeat Homebuyer Program](https://www.sdhda.org/homeownership/repeat-homebuyer-program)
- [Governor's House Program](https://www.sdhda.org/homeownership/governors-house-program)
- [Home Improvement](https://www.sdhda.org/homeownership/home-improvement)
- [Downpayment Assistance](https://www.sdhda.org/homeownership/downpayment-assistance)
- [Tools](https://www.sdhda.org/homeownership/tools)
- [My SDHDA Loan](https://www.sdhda.org/homeownership/my-sdhda-loan)
- [Lenders](https://www.sdhda.org/homeownership/lenders)
- [Realtors](https://www.sdhda.org/homeownership/realtors)
- [Renting](https://www.sdhda.org/renting/for-renters)
- [Rental Assistance](https://www.sdhda.org/for-renters/rental-assistance)
- [Rental Housing Search](https://www.sdhda.org/for-renters/rental-housing-search)
- [Do I Qualify](https://www.sdhda.org/for-renters/do-i-qualify)
- [Affordable Rental Housing Frequently Asked Questions](https://www.sdhda.org/for-renters/affordable-rental-housing-frequently-asked-questions)
- [Fair Housing and Your Rights](https://www.sdhda.org/for-renters/fair-housing-and-your-rights)
- [Tips For Renters](https://www.sdhda.org/for-renters/tips-for-renters)
- [Legal Services of SD](https://www.sdhda.org/for-renters/discrimination-complaints)
- [Housing Development](https://www.sdhda.org/housing-development/housing-development)
- [Housing Development Resources](https://www.sdhda.org/housing-development/housing-development-resources)
- [HOME Program](https://www.sdhda.org/housing-development/home-program)
- [Housing Tax Credits](https://www.sdhda.org/housing-development/housing-tax-credits)
- [Housing Opportunity Fund](https://www.sdhda.org/housing-development/housing-opportunity-fund)
- [Housing Trust Fund](https://www.sdhda.org/housing-development/housing-trust-fund)
- [Housing Development Programs](https://www.sdhda.org/housing-development/housing-development-programs)
- [Plans, Forms and Resources](https://www.sdhda.org/housing-development/plans-forms-and-resources)
- [Application Submission](https://www.sdhda.org/housing-development/application-submission)
- [Property Management](https://www.sdhda.org/property-management/education-and-training)
- [Education and Training](https://www.sdhda.org/property-management/education-and-training)
- [Fair Housing and Legal](https://www.sdhda.org/property-management/fair-housing-and-legal)
- [Property Management Resources](https://www.sdhda.org/property-management/management-resources)
- [Program Compliance](https://www.sdhda.org/property-management/program-compliance)
- [Business Partners](https://www.sdhda.org/property-management/business-partners)
- [Social Programs](https://www.sdhda.org/social-programs/paint-south-dakota)
- [Paint-South Dakota](https://www.sdhda.org/social-programs/paint-south-dakota)
- [Continuum Of Care](https://www.sdhda.org/social-programs/continuum-of-care)
- [Emergency Solutions Grants Program](https://www.sdhda.org/social-programs/emergency-solutions-grants-program)
- [Section 811 PRA Program](https://www.sdhda.org/social-programs/section-811-pra-program)
- [About](https://www.sdhda.org/about/about-sdhda-south-dakota-housing-development-authority)
- [About SDHDA](https://www.sdhda.org/about/about-sdhda-south-dakota-housing-development-authority)
- [Disclosure Reports](https://www.sdhda.org/about/disclosure-reports)
- [Investors](https://www.sdhda.org/investors/liquidity-reports)
- [Liquidity Reports](https://www.sdhda.org/investors/liquidity-reports)
- [Financial Reports](https://www.sdhda.org/investors/financial-reports)
- [Annual Reports](https://www.sdhda.org/investors/annual-reports)
- [Municipal Advisor Disclosure](https://www.sdhda.org/investors/municipal-advisor-disclosure)
Your source for expert information on housing in South Dakota
# The First-Time Homebuyer's Guide to Mitchell
Considering a move to Mitchell, South Dakota? South Dakota Housing Development Authority (SDHDA) is here to assist you in your first-time homebuying journey to the state's sixth-largest city. Whether it's downpayment and closing-cost assistance or competitive rates, there's a lot to love as a first-time homebuyer.
**Check out our first-time homebuying guide to Mitchell.**
## Participating Lenders
Knowing your spending power is a great first step when first-time homebuying—below find an assortment of potential lenders in the Mitchell area who offer First-Time Homebuyer Loans:
| [BankWest, Inc.](https://www.bankwest-sd.bank/) 605.995.5059 | [CorTrust Bank](https://www.cortrustbank.com/) 605.996.7775 |
| --- | --- |
| [Dakotaland Federal Credit Union](https://www.dakotalandfcu.com/) 605.996.4431 | [First Dakota National Bank](https://www.firstdakota.com/) 605.996.3364 |
| [First National Bank of Omaha](https://www.fnbo.com/) 605.996.7755 | [Great Western Bank](https://www.greatwesternbank.com/) 605.996.8100 |
| [Plains Commerce Bank](https://www.plainscommerce.com/) 605.996.1102 | [U.S. Bank Home Mortgage](https://mortgage.usbank.com/sd/mitchell) 605.996.5814 |
| [Wells Fargo Home Mortgage](https://www.wellsfargo.com/locator/bank/403__N__LAWLER__ST_MITCHELL_SD_57301/) 605.995.3521 | |
## Agent Options
Once you've received your pre-approval, it's time to start searching for the ideal place to call home—a highly qualified real estate agent is a great way to start your house search. [When choosing an agent](https://info.sdhda.org/how-to-find-a-real-estate-agent-3-tips-to-keep-in-mind), make sure that he or she knows the Mitchell area well and has your wants and needs in mind. If you're considering a particular agent, double-[check to make sure his or her credentials are up to date](https://sdrec.sd.gov/registration/licenseelist.aspx) with the state Department of Labor and Regulation.
## Neighborhood Choices
Mitchell is home to educational institutions at every level, as well as family-friendly attractions and neighborhoods. So when tackling the search process, it's a good idea to know which part of the city you would find the most desirable—a quiet spot on the outskirts or a central location close to your daily commute. You have options—**check out some facts about Mitchell's neighborhoods:**
- **Northern Region**
- **Central Region**
- **Southern Region**
**More than 60 families in the Mitchell area took advantage of SDHDA programs in the last year. That equals more than $6.5 million in 12 months!**
However you prioritize your homeownership needs, there's a spot for you in Mitchell. Use our handy guide to get started, and if you have any questions when it comes to securing a First-Time Homebuyer Loan, SDHDA is here to assist you!
**[](https://cta-redirect.hubspot.com/cta/redirect/1744228/96face06-9e8b-428e-9650-4e34dd78e135)**
**Source: NeighborhoodScout.com**
Topics: [Homeownership](https://info.sdhda.org/topic/homeownership)
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- [Investors](https://www.sdhda.org/investors/)
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- [Property Management](https://www.sdhda.org/property-management)
- [Renting](https://www.sdhda.org/for-renters)
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- Resource Links
- [sdhousingsearch.com](http://sdhousingsearch.com/)
- [Governor’s House](https://www.sdhda.org/homeownership/governors-house-program)
- [SD HERO - Homebuyer Education](http://sdhomebuyered.org/)
- [Housing for the Homeless](http://www.housingforthehomeless.org/)
# Contact
[P.O. Box 1237, 3060 East Elizabeth Street, Pierre, SD 57501](https://goo.gl/maps/qaN44UEeRXn)
Phone: [605-773-3181](tel:6057733181) Fax: [605-773-5154](fax:+605.773.5154) [info@sdhda.org](mailto:info@sdhda.org)
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