Also, if you are interested in buying, I would recommend Julie Tibbets at Service First Federal Credit Union. I have been a Realtor in the Sioux Falls and surrounding areas for over 16 years and all of my clients seemed to like her best!
Hope that helps and let me know if you have anymore questions I can answer for you!
Your credit score is trying to tell you something. Screaming at you, in fact. 550? Whatcha got going on there? A bunch of slow pays, a collection or two, high debt already?
New Year's Resolution: clean up the credit. Establish a record of paying on time, and paying off your debt, rather than carrying it.