VOL.16 | NO.8
SEPTEMBER 2024
HOME + DESIGN ISSUE
FEATURING
A Lavish Retreat: Shortgrass Resort
605 STOPS BY: MADAME PEACOCK'S BEER & BLING
605 TRIES: KAVA ROSE BREWHOUSE
A NEW LIGHT ON DOWNTOWN LIVING: PENDAR PROPERTIES
605 PROFILE: AMANDA BUELL
YOUR FUTURE IS WRITTEN IN THE STARS
Always Buckle Up for a Safe and Stellar Drive.
How Local Lenders Make Your Home Happen A home loan is most likely one of the biggest financial decisions you will make. While online mortgage originators may seem more convenient, you’re missing ALL the benefits of financing with someone locally. Whether you’re planning to build or buy, here are the advantages of working with a local lender like First PREMIER Bank.
Market Knowledge First PREMIER Mortgage lenders know the local landscape because we live, work and volunteer here. We understand the different neighborhoods, tax structures and factors that may impact your monthly payment. For example, if you are looking at a downtown condo, our local lenders know the HOA structures and which ones may work for your financing needs. First PREMIER lenders also have strong relationships with local insurance agents, realtors and inspectors, so we can look out for homebuyers in ways that make a difference. More Financing Options Community banks typically have more knowledge of local, state and federal programs than online lenders. As a South Dakota Housing approved lender, First PREMIER Bank has access to programs that may help you qualify for a lower interest rate or provide down-payment assistance. Local lenders also know about community-specific grants and tax credits for homeowners who have a particular occupation or purchase in a specific area. Even though First PREMIER is local, we have the financial capability to offer our customers the same great rates as national and regional banks.
Local Decision-Making The entire First PREMIER Mortgage team—our lenders, processors and underwriters—all have South Dakota addresses. That means from application to closing, you have local individuals working on your financing and making the decisions. At First PREMIER, we pride ourselves on our personalized service and communication with homeowners. We never want our customers to feel like they are navigating the financing process alone. Community Impact Local lenders make your community better for everyone. At First PREMIER Bank, our employees annually give an average of 30,000 personal volunteer hours to different causes and non-profits. Together with our leadership and sister company PREMIER Bankcard, we’ve given more than $3 billion back to the state of South Dakota for scholarships, advanced education, athletics, research, entertainment and infrastructure that make our communities A mortgage is a long-term commitment, and today’s housing market feels unpredictable. That’s why it’s nice to have a local lender looking out for your best interests. If they also happen to be one of the nation’s strongest community banks, like First PREMIER, even better. But staying local doesn’t mean you have to sacrifice online convenience. With First PREMIER, you can submit your mortgage application and all your documents securely online at any time of the day. an even better place to call home. Your Best Interest in Mind
Let’s Make Your Home Happen Scan the code to contact one of our Mortgage Bankers or start your application at firstpremier.com/home
VOL. 16 | NO. 8 SEPTEMBER 2024 CONTENTS
605's Gabby Sudenga leaves her mark in The Underground at Rehfeld's Modern Fine Art & Framing with the weaving loom. Find out more on page 14.
605 06
605magazine.com
Art + Design 14 605 Spotlight
Rehfeld's Modern Fine Art & Framing
Events 08
6 Things
10
Event Calendar
Food + Drink 26 605 Tries Kava Rose Brewhouse 38 On the Menu Berlin Home + Living 48
A New Light on Downtown Living Pendar Properties
Lifestyle 58
A Lavish Retreat Shortgrass Resort
70
605 Stops By Madame Peacock's Beer & Bling Natural and Non-Toxic Black Hills Candle & Tallow and Wild Idea Buffalo Company
80
90
605 Profile Amanda Buell
4 | 605MAGAZINE.COM
ABOUT
MEET THE 605 TEAM:
CO-FOUNDER + DIRECTOR OF OPERATIONS Alana Snyder CO-FOUNDER + DIRECTOR OF PHOTOGRAPHY & CINEMATOGRAPHY John Snyder MULTIMEDIA DESIGNER + PHOTOGRAPHER Cailyn Patterson EDITOR + OFFICE MANAGER Gabby Sudenga
CIRCULATION Ava Doyle
Becca Connelly Coralie Richards Downtown Aberdeen Ginny Herman Huron Camber & Visitors Bureau Mitchell Area Chamber of Commerce
Visit Brookings Visit Watertown Zach Walters
John Snyder CO-FOUNDER + DIRECTOR OF PHOTOGRAPHY & CINEMATOGRAPHY
Alana Snyder CO-FOUNDER + DIRECTOR OF OPERATIONS
SALES & ACCOUNT MANAGER Greta Smith
ADVERTISING INQUIRIES Greta Smith (605) 274-1999 ex. 4 sales@605magazine.com
CONTRIBUTORS Sarah Grassel
COVER IMAGE Featuring imported tents at Shortgrass Resort in Spearfish, found on page 58. Taken by 605’s John Snyder.
CORRESPONDENCE 726 E 6th St. Sioux Falls, SD 57103 (605) 274-1999 contact@605magazine.com
PRODUCTION Midstates Group 4820 Capital Ave NE Aberdeen, SD 57401 (605) 225-5287
Greta Smith SALES & ACCOUNT MANAGER
Cailyn Patterson MULTIMEDIA DESIGNER + PHOTOGRAPHER
605 Magazine is printed monthly by The Mighty Bowtones, LLC in Sioux Falls and is distributed free all over the city, in Aberdeen, Beresford, Brandon, Brookings, Chamberlain, Custer, Deadwood, Huron, Lead, Mitchell, Oacoma, Pierre, Rapid City, Spearfish, Vermillion, Watertown, and Yankton. ©2024 605 Magazine. All rights reserved. Content in this magazine should not be copied in any way without written permission from the publisher. 605 Magazine assumes no responsibility for unsolicited manuscripts or photographs. Materials will be returned only if accompanied by a stamped, self-addressed envelope. Content in articles, editorial material, and advertisements are not necessarily endorsed by 605 Magazine .
THANK YOU TO OUR 605 MAGAZINE ISSUE SPONSOR:
Gabby Sudenga EDITOR + OFFICE MANAGER
HR Petey HUMAN RESOURCES
THE HOME + DESIGN ISSUE september 2024
605MAGAZINE.COM
605's Alana Snyder takes a tour of Shortgrass Resort in Spearfish a la golf cart with general manager Candace Gustafson . See more of the intimate vacation getaway with high-end service on page 58.
RECEIVE Get the latest on content, events, and updates by joining 605's newsletter at 605magazine.com.
MERCH Visit the online shop to get your 605 swag like t-shirts, hoodies, posters, and stickers. 605magazine.com/shop
STREAM 605's podcast, The 605 Show , hosted by Alana Snyder and Daniel Card .
FIND ABE Keep an eye out for Abe the jackalope. Every month, the first person to post and use #FoundAbe on Instagram will receive a 605 sticker. Happy hunting!
+
AVAILABLE IN ABERDEEN , BERESFORD , BRANDON , BROOKINGS , CUSTER , CHAMBERLAIN , DEADWOOD , HILL CITY , HURON , LEAD , MITCHELL , OACOMA , PIERRE , RAPID CITY , SIOUX FALLS , SPEARFISH , VERMILLION , WATERTOWN , & YANKTON .
READ ONLINE FREE SUBSCRIBE TO 605 AT 605MAGAZINE.COM/SUBSCRIBE
POLL Check @605magazine on Twitter and Instagram for next month’s poll to be part of the next issue stats!
WHICH KIND OF MUSEUM DO YOU LIKE BEST? ART MUSEUM SCIENCE MUSEUM HISTORICAL MUSEUM ++++ 35% ++ 22% ++++ 43%
/ 605MAGAZINE
6 | 605MAGAZINE.COM
ARCHITECTS KOCH HAZARD
605.336.3718 @KOCHHAZARD KOCHHAZARCS
LINCOLN HALL - SOUTH DAKOTA STATE UNIVERSITY; BROOKINGS, SD
EVENTS 6
2 22nd Annual South Dakota Festival of Books September 20-22 South Dakota State University Brookings • Times vary Fellow bookworms gather to celebrate literature in South Dakota and beyond at the 22nd Annual South Dakota Festival of Books . Connect with regional and national writers for conversations, presentations, panel discussions, book signings, and special events. Get a chance to listen to and support aspiring writers sharing their stories at various workshops and craft talks. MORE INFO: SDHUMANITIES.ORG. 3 10th Annual Taste of Sioux Falls September 26 Icon Event Hall • Sioux Falls • 5:30 p.m. Indulge in the region’s premier tasting event and exclusive fundraiser for SculptureWalk , Taste of Sioux Falls . The annual event holds the principle to be the highest quality, most professional, financially strong, artist-friendly, year-round outdoor sculpture program. Sioux Falls’ finest chefs and restaurants come together to present a culinary experience for more than 250 local foodies. MORE INFO: SCULPTUREWALKSIOUXFALLS.COM.
to do in September Due to the possibility of cancellations, please check event websites & social media posts before attending. Things
1 September 13 & 14 Outlaw Square • Deadwood Times vary Deadwood Jam
Attend one of South Dakota’s longest running, legendary live music festivals, Deadwood Jam . Sip your favorite beer and wine while you enjoy music genres from various artists like Burton Cummings , Dumpstaphunk , Toadstool Jamboree , and more. As Deadwood’s last official outdoor event of the summer, it’s a must-do to celebrate music, culture, and community. MORE INFO: DEADWOODJAM.COM.
*All photos for 6 Things are submitted by the event or its promoter unless otherwise noted.
8 | 605MAGAZINE.COM
DOWNTOWN SIOUX FALLS E vents DOWNTOWN PORK SHOWDOWN
4 Buffalo Roundup and Arts Festival September 26-28 Custer State Park • Custer • Times Vary
SEP 1-30
Watch as a cloud of dust follows a 1,300-bison herd through the prairie of Custer State Park at the 59th Annual Buffalo Roundup . Cowboys and cowgirls will drive the herd to the corrals as the crowd takes in the sight. Grab your lawn chairs, cameras, and binoculars, and arrive early to secure your spot for the spectacle. During and after the roundup, browse the fine work of up to 150 vendors at the Buffalo Roundup Arts Festival . MORE INFO: GFP.SD.GOV/BUFFALO-ROUNDUP.
ART & WINE WALK OCT 4
5 16h Annual Great Downtown Pumpkin Festival September 28 Main Street Square • Rapid City • 10 A.M.
PARADE of LIGHTS
NOV 29
Kick off the autumn season in Main Street Square with the 16th Annual Great Downtown Pumpkin Festival . Experience a day of fun and festivities featuring a giant pumpkin weigh-off, a pumpkin catapult, the Kidz Zone , pumpkin painting, hayrides, local produce and goods from over 60 vendors, and more. MORE INFO: MAINSTREETSQUARE.ORG.
6 7th Annual
SMALL BUSINESS SATURDAY NOV 30
Wheelin’ to Wall September 28 & 29 Wall • Times vary
Bike the best of the Badlands during Wheelin’ to Wall . All new, casual, and avid bike riders are invited to join and experience the views of Badlands National Park . Starting with the opening of four gravel and pavement courses on Saturday and the Pedal Parade of Lights , the two-day event continues on Sunday with a mass start with fellow cyclists. MORE INFO: WHEELINTOWALL.COM.
s a l
n t
DTSF.com
EVENTS
SEPTEMBER 2024 EVENTS +ENTERTAINMENT +GET INVOLVED +SPORTS +MUSIC
8, 15, 22, 29 __________________________ GOOD ROOTS WOOD FIRE PIZZA NIGHTS Good Roots Farm and Gardens, Brookings. 4:30 p.m. Goodrootsfarm andgardens.com. 11 __________________________ WOMEN IN LEADERSHIP LUNCHEON Dacotah Bank Center, Brookings. 11:30 a.m. Brookingschamber.org. 14 __________________________ FALL FOR DOWNTOWN Downtown, Brookings. 9 a.m. Downtownbrookings.com. 18 __________________________ SDSU FALL FARMERS MARKET University Student Union, Brookings. 11 a.m. Sdstate.edu. 20-22 __________________________ SOUTH DAKOTA FESTIVAL OF BOOKS South Dakota State University, Brookings. Times vary. Sdhumanities.org. 26-28 __________________________ SOUTH DAKOTA ARTS CONFERENCE South Dakota State University, Brookings. Times vary. Facebook.com.
28 __________________________
7 & 8 __________________________ HILL CITY QUILT SHOW Hill City High School, Hill City. 9 a.m. Heartofthehillsquilters.com. 13 & 14 __________________________ BLACK HILLS POLKAPALOOZA Palmer Gulch, Hill City. Times vary. P almergulch.com. 28 __________________________ OKTOBERFEST EXPRESS 1880 Train, Hill City. 11:30 a.m. 1880train.com. 28 & 29 __________________________ BLACK HILLS FILM FESTIVAL Hill City High School, Hill City. All day. Blackhillsfilmfestival.org. HURON 1 & 2 __________________________ SOUTH DAKOTA STATE FAIR SD State Fairgrounds, Huron. Times vary. Sdstatefair.com. 15 __________________________ 11TH ANNUAL CLASSIC CAR SHOW Holy Trinity, Huron. 1 p.m. Huronsd.com. KEYSTONE 14 __________________________ THE BILLY BIGFOOT WALK/RUN
ABERDEEN 7 __________________________ OUT OF THE DARKNESS WALK Odde Ice Center, Aberdeen. 9 a.m. Afsp.org. 21 __________________________ Wylie Park, Aberdeen. 9:30 a.m. Aberdeenarea runningclub.com. HARVEST STROLL FALL FESTIVAL Dacotah Prairie Museum, Aberdeen. 11 a.m. Dacotahprairiemuseum.org. 26 __________________________ ANNUAL ABBY AWARDS Dakota Event Center, Aberdeen. 6 p.m. Visitaberdeensd.com. BELLE FOURCHE 21 YOUR RACE, YOUR PACE __________________________ CARS AND COFFEE Wild Magnolia Coffee Bar, Belle Fourche. 9 a.m. Facebook.com. BROOKINGS 7 __________________________ DAIRY DASH 2024 Miller Wellness Center, Brookings. 7:30 a.m. Facebook.com. MCCRORY GARDENS INSECT FESTIVAL McCrory Gardens, Brookings. 10 a.m. Times vary. Sdstate. edu.
DEADWOOD 6 __________________________ THE MARSHALL TUCKER BAND & JEFFERSON STARSHIP Deadwood Mountain Grand, Deadwood. 8 p.m. Deadwoodmountaingrand. com. 6 & 7 __________________________ ANNUAL FAIR IN THE SQUARE Outlaw Square, Deadwood. Times vary. Outlawsquare.com. 12 __________________________ DEADWOOD HISTORY’S BIG THANK YOU Adams Museum, Deadwood. 5 p.m. Deadwoodhistory.com. 13 & 14 __________________________ DEADWOOD JAM Outlaw Square, Deadwood. Times vary. Deadwoodjam.com. 19-21 __________________________ BLACK HILLS JEEP JAMBOREE Deadwood. All day. Jeepjamboreeusa.com. THE WAYWARD WOMEN TOUR Locations vary, Deadwood. 6 p.m. Deadwoodhistory.com. HILL CITY 7 __________________________ 1880 TRAIN WINE EXPRESS 1880 Train, Hill City. Times vary. 1880train.com.
JOHN ENKE MEMORIAL PROGRAM IN SUPPORT OF SUICIDE
AWARENESS AND PREVENTION 5K McCrory Gardens, Brookings. 9 a.m. Sdstate.edu. CUSTER 1 __________________________ STUDEBAKER CAR SHOW Downtown, Custer. 10 a.m. Custersd.com. 11 __________________________ WILD BLUE Black Hills Balloons, Custer. 6:30 p.m. Custersd.com. 26-28 __________________________ BUFFALO ROUNDUP & ARTS FESTIVAL Custer State Park, Custer. Times vary. Custersd.com. 28 __________________________ JALAN CROSSLAND The Custer Beacon, Custer. 8 p.m. Custerbeacon.com. 29 __________________________ ANNUAL AUTUMN VOLKSMARCH Crazy Horse Memorial, Custer. 7 a.m. Custersd.com.
Keystone. 8:30 a.m. Visitkeystonesd.com.
10 | 605MAGAZINE.COM
Get more with your mortgage.
8 __________________________ BLACK HILLS SUPER SWAP MEET & CAR CORRAL Central States Fairgrounds, Rapid City. 10 a.m. Visitrapidcity.com. 10 __________________________ LEGENDARY LADIES OF COUNTRY Performing Arts Center, Rapid City. 7 p.m. Alliedartsrc.org. 12 __________________________ PRICE IS RIGHT LIVE The Monument, Rapid City. 7:30 p.m. Themonument.live. 13-15 __________________________ CHILE PEPPER FESTIVAL Jolly Lane Greenhouse, Rapid City. Times vary. Jollylane.com. 14 __________________________ STRIDER CUP Main Street Square, Rapid City. 8 a.m. Striderbikes.com. 20-22 & 27-29 __________________________ SCHOOL OF ROCK Performing Arts Center, Rapid City. Times vary. Bhct.org. 21 __________________________ KOUNTRY JUNKIN’ VINTAGE AND HANDMADE MARKET The Monument, Rapid City. 10 a.m. Facebook.com. CRUISER CAR SHOW Main Street Square, Rapid City. 2 p.m. Mainstreetsquare.org.
PIERRE / FORT PIERRE 8 __________________________ WALK OF HOPE Hyde Stadium, Pierre. 2 p.m. Pierre.org. 13-15 & 19-21 __________________________
LEAD 19-22 __________________________ FALL IN LOVE WITH LEAD Lead. All day. Leadmethere.org. 21 __________________________ YER MOM’S COMEDY SHOW AND KYLE YAMADA Homestake Opera House, Lead. 7 p.m. Homestakeoperahouse.org. MITCHELL 11-15 __________________________ SOUTH DAKOTA STATE & HIGH PLAINS TERRITORIAL COWBOY FAST DRAW CHAMPIONSHIPS Mitchell Trap Club, Mitchell. Times vary. Cowboyfastdraw.com. 13 & 14 __________________________ HOLIDAY ARTS FALL CRAFT SHOW Davison County Fairgrounds, Mitchell. Times vary. Mitchellmainstreet.com. 20-22 __________________________ Main Street, Mitchell. Times vary. Mitchellmainstreet.com. 21 __________________________ OKTOBERFEST Main Street, Mitchell. 11 a.m. Mitchellmainstreet.com. 437 PROJECT OUTKASTS CAR SHOW Corn Palace, Mitchell. 2 p.m. Cornpalace.com.
SHE KILLS MONSTERS Grand Opera House, Pierre. Times vary. Pierreplayers.com. 14
__________________________ 2024 BUCKIN ON THE RIVER Stanley County Fairgrounds, Fort Pierre. 5:30 p.m. Fortpierre.com. 23 __________________________ STIRLING FAMILY MEMORIAL RODEO Stanley County Fairgrounds, Fort Pierre. 2 p.m. Stirlingfamilyranchrodeo.com. 26 __________________________ SHAUN JOHNSON + THE BIG BAND EXPERIENCE Grand Opera House, Pierre. 7 p.m. Pierreplayers.com. RAPID CITY 4 __________________________ AVATAR: THE LAST AIRBENDER IN CONCERT The Monument, Rapid City. 7:30 p.m. Themonument.live. 6 __________________________ CODY JOHNSON & FRIENDS The Monument, Rapid City. 7:30 p.m. Themonument.live.
More service.
More experience.
More ways to apply.
Scan to team up with our experts to find the best fit for your homebuying goals today.
CorTrustBank.com/Mortgage
NMLS 458038 • Member FDIC
EVENTS
+ENTERTAINMENT +MUSIC SEPTEMBER 2024 EVENTS +GET INVOLVED +SPORTS
27-29 __________________________ SIOUXPERCON 2024 Convention Center, Sioux Falls. Times vary. Siouxpercon.com. 28 __________________________ WALK TO END ALZHEIMER’S Levitt Shell, Sioux Falls. 10 a.m. Levittsiouxfalls.org. LIGHT THE NIGHT Falls Park, Sioux Falls. 5:30 p.m. Lightthenight.org. 28 & 29 __________________________ PUMPKIN FESTIVAL Riverview Tree Farm, Sioux Falls. 10 a.m. Riverviewtreefarm.com. SPEARFISH 7 & 14 __________________________ THEATER ON THE RUN 2024 Matthews Opera House, Spearfish. 6 p.m. Matthewsopera.com. 8 __________________________ SUNDANCE TO SPEARFISH MARATHON Brady Park, Spearfish. 6:45 a.m. Stsmarathon.org. 14 __________________________ AUTUMN FEST 2024 Downtown, Spearfish. 9 a.m. Facebook.com. 15 __________________________ BLACK HILLS 5K BEER RUN & KIDS DASH City Park, Spearfish. 1 p.m. Facebook.com.
27 __________________________ BLACK HILLS FILM FESTIVAL Journey Museum, Rapid City, All day. Blackhillsfilmfestival.org. 28 __________________________ THE GREAT DOWNTOWN PUMPKIN FESTIVAL Main Street Square, Rapid City. 10 a.m. Mainstreetsquare.org. 28 __________________________ FOR KING + The Monument, Rapid City. 7 p.m. Themonument.live. SIOUX FALLS 1-30 __________________________ DOWNTOWN PORK SHOWDOWN Various Locations, Sioux Falls. All day. Dtsf.com. 1 __________________________ LIFELIGHT FESTIVAL Nelson Park, Sioux Falls. 12 p.m. Lifelight.org. 3 __________________________ AVATAR: THE LAST AIRBENDER IN CONCERT COUNTRY: THE UNSUNG HERO 2024 TOUR Washington Pavilion, Sioux Falls. 7:30 p.m. Washingtonpavilion.org. 4 __________________________ MOLLY HATCHET The District, Sioux Falls. 7 p.m. Thedistrictsf.com.
6 & 7, 13 & 14 __________________________ LIVE MUSIC Levitt Shell, Sioux Falls. 7 p.m. Levittsiouxfalls.org. 6-15 __________________________ PARABLES & PROVERBS Orpheum Theatre Center, Sioux Falls. Times vary. Siouxfallsorpheum.com. 7 __________________________ 61ST ANNUAL SIDEWALK ARTS FESTIVAL Washington Pavilion, Sioux Falls. 9 a.m. Washingtonpavilion.org. 8 __________________________ PHANTOGRAM The District, Sioux Falls. 8 p.m. Thedistrictsf.com. 12 __________________________ CHARLIE BERENS GOOD OLD FASHIONED TOUR Washington Pavilion, Sioux Falls. 7 p.m. Washingtonpavilion.org. THIRD EYE BLIND Sanford Pentagon, Sioux Falls. 7:30 p.m. Sanfordinternational.com. 12-14 __________________________ OTHER DESERT CITIES Washington Pavilion, Sioux Falls. 7 p.m. Facebook.com. 14 __________________________ CENTER FOR DISABILITIES 2024 RUN, WALK & ROLL Elmwood Park, Sioux Falls. 8 a.m. Facebook.com.
JIM GAFFIGAN Denny Sanford PREMIER Center, Sioux Falls. 7 p.m. Dennysanfordpremiercenter. com. 14 __________________________ “THE AMERICAN ROCK N’ ROLL EXPERIENCE” Washington Pavilion, Sioux Falls. 7:30 p.m. Washingtonpavilion.org. 14 & 15 __________________________ AMA COIN SHOW Convention Center, Sioux Falls. 9 a.m. Amacoins.com. 19 __________________________ COOKIES, CORKS & BREWS Monick Yards, Sioux Falls. 5:30 p.m. Gsdakotahorizons. org. RARE BY DESIGN PRESENTS: THE FILM FESTIVAL State Theatre, Sioux Falls. 6 p.m. Rarebydesign.org. 20 __________________________ REMEMBERING POW/MIA VETERANS ANNUAL CEREMONY Veterans Memorial Park, Sioux Falls. 6:30 p.m. Siouxfallslegion.org. 21 __________________________ SODAK CIRCUIT Convention Center, Sioux Falls. 9:30 a.m. Sodakcircuit.com. FALLING FOR ANIMALS Great Plains Zoo, Sioux Falls. 10 a.m. Greatzoo.org.
OUT OF THE DARKNESS WALK Levitt Shell, Sioux Falls. 12:30 p.m. Levittsiouxfalls. org. 22 __________________________ 437 PROJECT FINISH LINE Levitt Shell, Sioux Falls. 11:30 a.m. Levittsiouxfalls. org. JUDAS PRIEST Denny Sanford PREMIER Center, Sioux Falls. 7:30 p.m. Dennysanfordpremiercenter. com. 24 __________________________ ASKING ALEXANDRIA The District, Sioux Falls. 6:30 p.m. Thedistrictsf.com. 24 __________________________ THE TASTE OF SIOUX FALLS 2024 Icon Event Hall, Sioux Falls. 5 p.m. Sculpturewalksiouxfalls. com. 26-28 __________________________ CINCH PLAYOFFS - THE GOVERNOR’S CUP Denny Sanford PREMIER Center, Sioux Falls. 7:30 p.m. Dennysanfordpremiercenter. com. 26-28 __________________________ DISNEY’S FREAKY FRIDAY Orpheum Theatre Center, Sioux Falls. Times vary. Siouxfallsorpheum.com. 27 __________________________ JASON LYLE BLACK Washington Pavilion, Sioux Falls. 7 p.m. Washingtonpavilion.org.
12 | 605MAGAZINE.COM
13 __________________________ DIAMOND RIO Goss Opera House, Watertown. 7 p.m. Thegossoperahouse.com. 14 __________________________ LIVE IN THE PATH OF HOPE National Guard Readiness Center, Watertown. 8 a.m. Visitwatertownsd.com. 26 __________________________ DINNER & A MOVIE: ANCHORMAN Goss Opera House, Watertown. 6:30 p.m. Thegossoperahouse.com. 28 __________________________ CHILI COOK OFF Watertown. 10 a.m.. Visitwatertownsd.com. WORTHING 13-15, 19-22, 26-29 __________________________ THE IMPORTANCE OF BEING EARNEST Olde Town Dinner Theatre, YANKTON 14 & 15, 21 & 22, 28 & 29 __________________________ MAZING ACRES FALL FESTIVAL Mazing Acres Pumpkin Patch, Yankton. 10 a.m. Mazingacres.com. 15-22 __________________________ LANCER DAYS 2024 Various locations, Yankton. All day. Mountmarty.edu. Worthing. Times vary. Oldetownetheatre.org.
20 __________________________ 45TH ANNUAL COMMUNITY ART SHOW Matthews Opera House, Spearfish. 5 p.m. Facebook. com. STURGIS 21 __________________________ FALL HOT PEPPER FESTIVAL Harley-Davidson Rally Point, Sturgis. 2 p.m. Sturgisareachamber.com. VERMILLION 6 & 7 __________________________ RIBS, RODS, & ROCK N’ ROLL Downtown, Vermillion. Times vary. Livevermillion.com. 20-22 __________________________ VORTEX FILM FESTIVAL Coyote Twin Theatre, Vermillion. Times vary. Vermculture.org. 27 __________________________ OKTOBERFEST Ratingen Platz, Vermillion. 4 p.m. Livevermillion.com. __________________________ WHEELIN’ TO WALL Wall. Times vary. Wheelintowall.com. WATERTOWN 11 __________________________ THE VILLAGE VINTAGE CAR SHOW The Village of Harmony Hill, Watertown. 5 p.m. Visitwatertownsd.com. WALL 28 & 29
STATEWIDE 28 __________________________ NATIONAL PARK FREE ENTRANCE DAY Statewide. All day. Nps.gov.
ART + DESIGN
REHFELD’S MODERN FINE ART & FRAMING written by Gabby Sudenga + photos by Cailyn Patterson 605 SPOTLIGHT
14 | 605MAGAZINE.COM
ART + DESIGN
Since 1983, Rehfeld’s Art & Framing has been a downtown staple in Sioux Falls. The focus of Rehfeld’s has always been on providing excellent custom framing services with attention to detail, along with a gallery that showcases local and regional artists. With time, the gallery has grown in size and reputation, becoming a center of art discovery for the community.
Rehfeld’s Fine Art & Framing recently transformed, emerging as Rehfeld’s Modern Fine Art & Framing under new ownership. Sioux Falls natives, Lindsey McCann Jastram and Micah Jastram , acquired the downtown gallery and framing business in late 2023, breathing new life into the longstanding institution. The Jastrams have revamped the space at 421 N. Phillips Ave., creating a modern and inviting atmosphere, complementing their gallery vision.
“Art can and should be enjoyed by all,” said Lindsey. “There’s no right or wrong way to view, experience, and enjoy art.” Lindsey and Micah aim to make art accessible to everyone, dispelling the notion of galleries being intimidating. Their goal is to create a welcoming environment where the community can discover new pieces, and connect with the artists behind them.
THE HOME + DESIGN ISSUE september 2024
“ We ’ re aiming to offer a gathering place for people to enjoy, experience, and express their curiosities in the arts. ” - Lindsey McCann Jastram
16 | 605MAGAZINE.COM
Fall for Spearfish
For Lindsey, this isn’t her first experience with Rehfeld’s. As a young adult, she worked a few doors down from the gallery. “I would walk by and gawk in the windows at all of the art,” shared Lindsey. “It always impressed me.” After moving to Montana and purchasing Old Main Gallery & Framing in Bozeman, the Sioux Falls-based art gallery still held a place in her heart. “After chatting with a friend, I discovered the previous owner, Jerry Cook , was possibly interested in selling Rehfeld’s,” said Lindsey. “My husband and I reached out to him, and the rest is history.”
Lindsey and Micah were clear about continuing Rehfeld’s legacy when taking the reins. “The Rehfeld’s name is iconic in the area, so we knew as new owners we wouldn’t want to change it completely,” explained Lindsey. Rather, the couple wanted to differentiate the change in ownership, and portray some changes in the type of artwork featured and the gallery's visual aesthetic. Rehfeld’s Modern Fine Art & Framing remains dedicated to showcasing contemporary art from emerging and established artists. Their monthly art exhibits showcase collections of curated artwork offering a wide range of styles and mediums.
Track the fall foliage in Spearfish Canyon to plan your Autumn getaway!
@VisitSpearfish
www.VisitSpearfish.com
Upcoming Shows SEPTEMBER 6 Vanish // Rehfeld’s Modern Fine Art & Framing SEPTEMBER 12 Journey of Hope: Finding Hope Through the Arts // The Underground
18 | 605MAGAZINE.COM
Care MADE FOR YOUR PREGNANCY
While you’re preparing for your whole world to change, partner with a team of providers who are ready to help shape the best pregnancy and delivery experience for you. At Sanford Health in Sioux Falls, you’ll receive attentive, knowledgeable care at every step of growing your family.
Get ready for life before and after baby with: • Fertility and reproductive medicine services • Pregnancy classes and resources • Low- and high-risk care and delivery options • Comfortable birthing suites with level 4 NICU access
• Breastfeeding support • Postpartum resources
To learn more, visit sanfordhealth.org.
20 | 605MAGAZINE.COM
“ Micah and I are looking forward to focusing on our goals at Rehfeld's. ” - Lindsey McCann Jastram
In July, the gallery hosted Rhythm of the Rain —a visual inquest of the elements through the lens of artists Eyob Mergia and Jennifer Pulchinski . Throughout August, a group exhibition— Down to Earth —filled the gallery with work from ceramist Jon Nibbe and watercolor artist Judy Thompson . Their work explored the complex relationship between creativity and the natural world. September’s show will introduce Jim Westphalen’s fine art photography to the local community.
“Jim’s body of work, entitled Vanish , is an ongoing narrative that speaks to the decay of iconic structures across rural America,” explained Lindsey. Rehfeld’s provides a platform for artists, playing a crucial role in nurturing talent and promoting cultural richness. “We take the role as the artist’s representative very seriously, and work hard to provide the artists with what they need to continue to create art,” shared Lindsey.
THE HOME + DESIGN ISSUE september 2024
In addition to the collection of art, Rehfeld’s is known for custom framing services. The gallery’s experienced framers are skilled in ensuring each piece is securely displayed. Rehfeld’s offers a range of framing options to suit any style and budget, whether it’s a cherished family photograph, a painting, or unique memorabilia. The process is personalized and meticulous. Customers are guided through materials, colors, and designs to create a casing suited to the artwork. While a frame protects from environmental conditions, it also enhances the visual impact of art. Lindsey says a well chosen frame should never draw attention from the displayed item, but rather enhance it and create a relationship between the artwork and the room it hangs in. “We continue the excellence in fine art custom framing, while focusing on craftsmanship and preservation of artwork,” she added.
22 | 605MAGAZINE.COM
SIOUX FALLS | SD Near 57th & Louise Ave connected to Frontier Bank
Bridal | In-House Jewelry Repair | Custom Design | Large Diamond Selection
3501 W 57th Street • Sioux Falls, SD 57108 • (605) 362-0008 • thediamondroom.com
ART + DESIGN
COMMUNITY LOOM Located in The Underground, a weaving loom lets exhibitors leave their mark by intertwining cloth or ribbon throughout the base. Once filled, the finished project
will be raffled off for the benefit of Indigenous Youth Art Education.
24 | 605MAGAZINE.COM
Rehfeld’s is paired with The Underground —an event venue and secondary gallery space. Located in the lower level of the building, The Underground hosts quarterly invitational art shows. The space is also available for small events from small office conferences to wedding receptions to graduation parties to charity events. As Rehfeld’s continues to evolve, its dedication to quality, community, and the arts remains. Lindsey shares the hope of the gallery’s future is to include interactive workshops with artists, but will always continue supporting artists. “We value and treasure the Sioux Falls art community, and we’re so proud to be a part of it,” she expressed. FOR MORE INFORMATION, VISIT REHFELDSONLINE.COM+
THE HOME + DESIGN ISSUE september 2024
26 | 605MAGAZINE.COM
We KNOW Natural Health!
Kava Rose Brewhouse 605 Tries
The Sioux Empire’s #1 practitioner-recommended source for the highest quality supplements and natural health products for over 50 years. Your local natural health experts since 1970!
“My favorite part is creating,” said MaKayla Johnsen , co-owner of Kava Rose Brewhouse . “That’s why we did this.”
With the help of Carson’s parents, the Johnsens stripped the building down, taking care to preserve the original wood floors, brick walls, and tiled ceiling.
We specialize in: • vitamins • herbs • essential oils • CBD • sports nutrition • natural body care • and more!
MaKayla and her husband Carson both grew up in
In October 2023, Kava Rose was open for business.
Beresford, going their separate ways after high school. While Carson was serving, bartending, and pursuing acting in Los Angeles, MaKayla attended the University of Sioux Falls , working at coffee shops. The two reconnected during MaKayla’s time at college and were soon married, with a dream of having a coffee shop- type of space for people to be in community with one another. When a building went up for sale in downtown Beresford, the pair jumped at the opportunity to bring something special to their hometown.
“We came up with that name years before we opened. We discovered that Kava means ‘coffee,’ as well as ‘to embrace’ and ‘to gather,’” shared MaKayla. The second part of the name, Rose, is MaKayla’s middle name. This January, it also became the middle name of their daughter, Navy Rose Johnsen .
Visit with one of our natural health experts today!
Written by Greta Smith & Photos by Cailyn Patterson
2 Convenient Sioux Falls Locations!
3700 S Kiwanis Ave 605-332-1717
1518 S Sycamore Ave 605-332-5985
wayneandmarys.com
MaKayla and Carson are intentional about having a place where people can pursue what they consider the lost art of “gathering.” That is, being present in the moment while embracing the people you are with. “It’s a place for people just to ‘be.’ Whatever that looks like,” explained Carson. For the couple, being present looks like refusing to have TVs in the space, and
cherishing every moment with both their staff and their customers. While MaKayla makes drinks, trains the baristas, brainstorms, and takes care of the organizational side of things, Carson is in charge of the kitchen. “I never went to culinary school, but I’ve always enjoyed cooking for the people I love. It’s something I’ve always been passionate about,” said Carson.
“He would be at home making homemade noodles on a random Tuesday or something,” MaKayla laughed. The pair has a passion for bringing in global flavors and making them palatable for everyone. “We take traditional dishes and spice them up a bit, adding some healthy factors we think people would enjoy, while not realizing it’s quietly healing them as well,” said Carson.
28 | 605MAGAZINE.COM
Rise & Grind Monday // Closed Tuesday // Closed Wednesday & Thursday // 10 a.m. - 8 p.m. Friday & Saturday // 9 a.m. - 9 p.m. Sunday // 9 a.m - 2 p.m.
THE HOME + DESIGN ISSUE september 2024
SANDWICHES Kava Roll
M enu More on the
Marinated beef, gruyere cheese, peppers, and onions served on a local baked hoagie with Bosco Sauce. Clubber Lang Thick sliced ham, turkey, and bacon on an everything bagel with provolone cheese, pickles, crisp lettuce, house mustard, and mayo. SPECIALTY LATTES Cookie Butter Latte House-made Biscoff cookie butter caramel and vanilla shaken together to perfection. Ya Hoser The sweet mix of caramel and real maple, balanced out with cinnamon.
BREAKFAST
Berrymore Greek yogurt, granola, chia seeds and fresh fruit. Add peanut/almond butter if desired. Queen Bea Bacon, egg, avocado, and gruyere cheese, served on honey oat toast with a dash of fruit.
30 | 605MAGAZINE.COM
The financial institutions sector is complex and ever-changing. Banks and credit unions are constantly impacted by regulatory changes, updated accounting standards, and new legislation. Brady Martz has industry experts ready to make life easier for our clients, with a friendly approach to financial and business advisory services, crafting personalized solutions tailored to your individual needs. Our priority is to get to know you and the ins and outs of your institution to better prepare you for both the challenges and opportunities of the future. Kelly Hoeven’s background as a former FDIC bank regulator and experience from leadership roles in managing compliance and risk management programs at community banks offer a unique perspective in her current role with Brady Martz. She is passionate about helping financial institutions meet the challenges of a complex, highly regulated industry. Kelly’s skillset includes consumer compliance consulting and hotline support, regulatory training and exam preparation, policy reviews, strategic planning, and bank specialty program audits. Choosing a partner to help your financial institution achieve success is a big decision. You need a trusted advisor who is experienced, attentive, and invested in helping you accomplish your goals while maintaining sound compliance and risk management programs. Brady Martz & Associates has a team of experts who are dedicated to helping financial institutions thrive in an ever-changing industry. Kelly Hoeven is one such team member.
Kelly Hoeven Manager
Connect with Kelly today to discuss the opportunities to enhance your institution’s compliance and risk management programs. 605-361-1200 kelly.hoeven@bradymartz.com
“At Brady Martz, we pride ourselves on delivering tailored, professional services that cater to the unique needs of each client. Our extensive experience serving banks and credit unions ensures that we have the precise solution you’re seeking.”
Make Every Day Count | www.bradymartz.com
“It’s not a massive menu, but there’s a lot going into it. And you can only get those certain combinations of flavors here.” Carson Johnsen
The Kava Rose kitchen made 605’s designer Cailyn Patterson and I three dishes: The Infinity Bowl , The Berrymore , and The Kava Roll . The camera always eats first, but Cailyn and I were not disappointed by the wait. Each dish was expertly crafted and beautifully plated. For drinks, the barista made us a Vanilla Latte with cinnamon, and a Tropical Sunrise Hydrator . Hydrators are adrenal cocktails MaKayla says she threw together one day because she wanted to create something with the health benefits of coconut water. “They’re refreshing and give you a natural pickup,” she said. “They became our most popular drink, but I’m like, ‘Jokes on you guys, this is good for you!’” The brewhouse has local beers on tap and in bottles, including varieties from Severance Brewing Company , Fernson Brewing Company , and Jefferson Beer Supply .
32 | 605MAGAZINE.COM
THE HOME + DESIGN ISSUE september 2024
The couple is passionate about making everything on the menu as “from-scratch” as possible. “We marinate our own meats and make sure we get locally-sourced items,” said Carson. “A lot of our vegetables and fruits are organic and local, when we can.” The brewhouse’s drinks are made from espresso beans roasted just down the street at Rainy Day Coffee Co. , and hoagies for the Kava Roll are from another Beresford business, Wake & Bake . “We don’t do a lot of big-box truck stuff. We go search it out ourselves every week, and it makes a big difference,” said MaKayla. The couple offers a weekly burger special, in addition to occasionally coming up with seasonal specials when they feel inspired. “She gives me these crazy ideas, and I just run with it,” said Carson, explaining their creative process. “It’s amazing. He makes everything taste good,” MaKayla added.
The Johnsens have named menu items after their dogs: their chipotle barbeque ranch is called Bosco Sauce, and their espresso is called Riggz Roast. Who Let the Dogs Out?
34 | 605MAGAZINE.COM
SEPT. 21, 2024 | 10 AM – 3 PM
Find Your Dream Home September 21 | 10 am – 3 pm
Tour 30+ Communities: For one day only, tour any combination of our properties (without scheduling a tour), so bring your friends and family to this exclusive event! Online Tours: Enjoy our Facebook live tours on our @334RENT Facebook page or visit ParadeOfApartmentsSF.com to watch our virtual tours. Rent Specials & Giveaways: Anyone who applies for a home at the parade will be entered into a grand prize drawing. Ask our property managers about rent specials offered during the parade.
Are you ready to unlock the door to your new home? Come to Lloyd’s Parade of Apartments!
ParadeOfApartmentsSF.com
“We wanted this space to be somewhere where people could be creative.” MaKayla Johnsen
36 | 605MAGAZINE.COM
The couple has recently started Kava Rose Catering for mid- size to smaller events. Events can be hosted at the brewhouse or off-site and have recently included bridal showers, meetings, company events, and wedding receptions. Kava Rose also hosts different events like live music and art shows. In the future, they are interested in opening up the space for things like poetry or improv nights. “Carson and I both grew up in theater and were very into the arts,” said MaKayla. “It’s lifegiving, and that is where we find joy in life—it’s where you’re creating.” The couple thoroughly encourages the art community whenever possible. Local art graces the walls, and the exterior sign was
hand painted by high school students and the art teacher in town. “We want to show the community what they’ve got,” said Carson. As Cailyn and I were finishing up our shoot, a customer told me he wanted to go on record for the story. “Kava Rose is absolutely fabulous,” he said. “Beresford’s a small town, and having something like this—where we can support our local vendors—is just fabulous.”
FOR MORE INFORMATION, VISIT FACEBOOK.COM+
THE HOME + DESIGN ISSUE september 2024
FOOD + DRINK
Mickey Staeckeler was raised in a family of cooks, working in the family deli in New York.
BERLIN ON THE MENU
“I grew up getting baths in the kitchen sink,” Mickey said with a chuckle. “As soon as I was old enough I was mopping floors, filling soda boxes, working behind the counter, and in the kitchen.”
Mickey says he learned how to cook from his mother and grandmother.
38 | 605MAGAZINE.COM
FOOD + DRINK
“My background and roots in cooking is German,” added Mickey. “My family came to the States in the ‘60s from Germany.” Mickey says he spent every other summer in Germany since he was born. Then as an adult, he moved to the European country to further his culinary skills.
restaurants, and I learned a lot there,” said Mickey.
Upon moving back to New York from Lubeck, and then to South Dakota, the well-versed traveler wanted to share his cooking style with the Midwest.
Berlin , aptly named after the capital of Germany, brings a slice of Europe to the heart of Spearfish.
WRITTEN BY GABBY SUDENGA + PHOTOS BY JOHN SNYDER
“I lived in Lübeck for six years working for bars and
THE HOME + DESIGN ISSUE september 2024
FOOD + DRINK
The restaurant, located on West Jackson Avenue, aims to provide a distinctive dining experience by blending traditional German recipes with a modern twist. Mickey is passionate about sharing the rich culinary heritage of his family's homeland with his new community. “My wife, Beth , and I moved to Spearfish last year, and it’s a great city, but we wanted to bring something a little different to the Black Hills.” Mickey and Beth, who previously owned The Sled Haus in Lead, wanted to introduce a big-city feel to the Hills’ culinary scene. “We wanted something more intimate, different than the Midwest feel,” explained Mickey. “We’re bringing a little of the vibe from Denver, Arizona, and New York.” The typical rustic aesthetic of surrounding eateries isn’t found in Berlin. Instead, it brings an '80s punk rock theme. The interior and décor have been thoughtfully designed to evoke the charm of the German capital. “The city of Berlin is similar to New York—it’s very eclectic,” explained Mickey. “You have every walk of life there, and it’s a very artistic and musical city.” “I’M ITCHING TO TRAVEL BACK TO GERMANY. THERE’S SO MUCH TO SEE.” MICKEY STAECKELER
40 | 605MAGAZINE.COM
“BERLIN, LONDON, & NEW YORK
The industrial exterior is matched with a black wall interior, splattered with graffiti artwork and pop-art canvases of a young Queen Elizabeth II and David Bowie , all complimented by low lighting. The urban feel seeps into the restaurant further with a faux-cherry tree sprouting from the center of the dining room, pink accents scattered throughout the bar, a bright neon sign, and chill EDM house music. “In Berlin, you’re going to get the gritty city, the artwork, the trains and buses, and I wanted my restaurant to have the same industrial feel,” said Mickey. A touch of Mickey’s artistic work lines the walls with his photography from his various adventures across the globe. “I’m a hobby photographer enthusiast, and now I get to use my restaurant as a gallery, which is great,” shared Mickey. His family also makes an artistic appearance in the dining room, with black and white photographs of his mom and grandfather from 1957. “She’s on a motorcycle and was probably about 11 or 12 years old, and I just thought it was a unique photo that she’s had all of these years,” said Mickey. “The photograph of my grandfather with him and his friends.” Other artwork throughout the eatery is inspired work from Russian street artist, Banksy , and German photographer Helmut Newton . ARE MY THREE FAVORITE CITIES IN THE WORLD.” MICKEY STAECKELER
42 | 605MAGAZINE.COM
THE HOME + DESIGN ISSUE september 2024
FOOD + DRINK
The menu in Berlin features a variety of elevated German dishes, a series of special sandwiches, and more, split between a lunch and dinner menu. The lunch menu was designed for the “working man,” and features hot and cold sandwiches and specialty burgers. The Cuban , The Italian , The BBQ Chicken , The Cheese , and The Shae are just a few of the mid-day menu items. “Our lunch menu focuses on the New York deli vibe,” stated Mickey. By night, Berlin introduces the dinner menu, featuring authentic German items including bratwursts, pretzels, and three different types of schnitzel. “We also offer seafood, French- style mussels, and creole mussels,” said Mickey. Order the Oktoberfest Pretzel , Wurst Board , Bratwurst , Jager , or Berlin Creole . “On the weekends we’ll offer specials, and that’s when we’ll bring in other German or European dishes,” explained Mickey. Along with Mickey's take on the German classics enjoy frothy pints of German beer.
44 | 605MAGAZINE.COM
M enu More on the
American Special Turkey, ham, roast beef, American cheese, lettuce, tomato, mayo, and onion. CheeseSteak Grilled roast beef, provolone, grilled onions, and pesto aioli. The Cheese Old-fashioned cheeseburger with lettuce, onion, tomato, and pickle. Pastrami Grilled pastrami melted Swiss slaw with Russian dressing. Haus Chips A pile of haus cut chips, tossed in-house rub with chipotle ranch dip. Wurst Board One brat and one kielbasa with spicy haus pickles and mustard. Schnitzel Jaeger Breaded veal cutlet, jager gravy, German noodles, and red cabbage. Bauern (Farmer) Breaded veal cutlet, topped with grilled mushroom, onion, ham, fried egg, and served with home fries, and red cabbage.
L UNCH
BURG E R S
HAPPY HOUR
D I NNE R
Bratwurst Includes German home fries, sauerkraut, and mustard.
Schweinshaxe (Pork Shank)
Slow-cooked, then crisped shank with mashed potatoes, sauerkraut, and jager gravy.
THE HOME + DESIGN ISSUE september 2024
MAKING THE UNATTAINABLE, ATTAINABLE.
We’re flipping the script on the “unattainble”, championing a new narrative where keys jingle in the pockets of First-Time Homebuyers. Your dream of owning your first home is closer than you think. SD Housing is opening doors to your future. Making the unattainable, attainable through First-Time Homebuyer programs.
See if you qualify!
What is the First-Time Homebuyer program?
A program that makes the dream of homeownership a reality for South Dakota first-time homebuyers by providing low interest rate mortgage loans. SD Housing partners with participating lending institutions throughout the state to help borrowers build or purchase an existing home. DO I QUALIFY FOR A FIRST-TIME HOMEBUYER LOAN? You qualify if you have not owned a home in three years. If you owned and lived in a dwelling unit that was not permanently affixed to a permanent foundation (ie. mobile home) it doesn’t count as previous homeownership. Veterans waiver may apply for qualified applicants.
Qualifications are:
Meet income limits
Home will be your principle residence and in SD
Meet purchase price requirements
You have sufficient income and are credit worthy
HOW DO I APPLY FOR A FIRST-TIME HOMEBUYER LOAN? You may contact a participating lender in your area for an appointment to confirm the current interest rates, purchase price limits, income limits, and other SD Housing requirements, and begin the application process.
Owning your own home can be a reality.
WHAT DOES MY LENDER NEED WHEN I APPLY?
WHAT ARE THE TERMS OF A HOMEOWNERSHIP LOAN? The borrower may choose one of the following: FIXED RATE OPTION competitive 30 year fixed interest rate. FIXED RATE PLUS OPTION provides a 30 year fixed interest rate plus downpayment assistance. The
South Dakota Housing provides low interest rate loans to South Dakotans through the First-Time Homebuyer Program.
Whether you are being pre-qualified or actually applying for a homeownership loan, it is important to be prepared for the loan interview. The lender may require such things as a copy of the purchase agreement (if applicable), bank statements, pay stubs, tax returns, and creditor names and addresses. The exact requirements may vary from lender to lender, so you may want to ask what documentation is needed when you call for an appointment. WHAT IF I SELL MY HOME? The Federal Recapture Tax is an IRS tax that may increase the amount of tax the homeowner pays when selling the home. The tax amount will depend on the year in which the homeowner sells, the homeowner’s income that year, and the amount of gain, if any, received from the sale. If the home is sold more than nine years after the closing date, there will not be a recapture tax.
PO Box 1237 3060 E Elizabeth St Pierre, SD 57501
605-773-3181
assistance is provided through a second mortgage at 0% interest, due-on-sale or satisfaction.
605-773-5154
sdhousing.org
SD Housing generally does not charge a discount point (1% of loan amount). SD Housing also limits the number of fees that participating lenders can charge keeping the closing costs as minimal as possible. Be sure to have your participating lender outline all of the closing costs during your loan application. Unless the borrower makes a 20% downpayment, all loans must be insured or guaranteed by: • Federal Housing Administration • • USDA Rural Development • Private Mortgage Insurance Company Loans will be amortized over a term of 30 years. Some programs may allow a shorter term when requested by the borrower and approved by SD Housing.
advisors. If there are questions concerning
accountant or the IRS.
SD Housing stipulates that if you are required to pay a recapture
SEE IF YOU QUALIFY! Try out our simple First-Time
tax to the IRS, SD Housing will reimburse you for the actual amount of the recapture tax.
Homebuyer calculator to see if you might be an eligible homebuyer.
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50-51 Page 52-53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64 Page 65 Page 66 Page 67 Page 68 Page 69 Page 70 Page 71 Page 72 Page 73 Page 74 Page 75 Page 76 Page 77 Page 78 Page 79 Page 80 Page 81 Page 82 Page 83 Page 84 Page 85 Page 86 Page 87 Page 88 Page 89 Page 90 Page 91 Page 92 Page 93 Page 94 Page 95 Page 96 Page 97 Page 98 Page 99 Page 100Made with FlippingBook - professional solution for displaying marketing and sales documents online