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A Challenge to Keep Warm

Thursday, April 10, 2025

In South Dakota, winters can be brutal, especially for older homes that struggle to keep the cold at bay. For Mary and Roger, living in a house built in 1941, the challenge of keeping warm and managing high electricity bills was a constant struggle. Drafty walls, doors, and windows, with a lack of proper insulation, made every winter a battle.Seeking relief, Mary contacted GROW South Dakota, hoping to find a solution. The weatherization crew conducted a thorough assessment of the home and implemented energy-efficient upgrades. From installing insulation to addressing repairs and even providing a brand-new refrigerator, their efforts transformed...

GROWing Your Dream of Home Ownership!

Wednesday, April 09, 2025

Franklin D. Roosevelt once said, “Happiness is not in the mere possession of money. It lies in the joy of achievement. In the thrill of creative effort.”One of the major joys of achievement for most folks involves buying a home. But the process can sometimes feel overwhelming, confusing or downright impossible.Did you know that GROW South Dakota is a HUD-approved Housing Counseling Agency and Housing Education Resource Organization (HERO) offering individual and online education geared towards helping you achieve homeownership?As we celebrate National Financial Literacy Month throughout April, we’re encouraging residents to take advantage of our financial literacy programs related...

Optimal Performance Offering Multiple Services

Tuesday, March 18, 2025

Samantha Wipf, owner of Optimal Performance in Aberdeen, South Dakota had a vision for what she wanted her physical therapy practice to be, but with that vision came many questions: How do I craft a business plan?  How do I accurately gather my business numbers and projections?  How do I figure my start-up costs?  It was these questions that led her to Kelly Weaver, Regional Director of the Small Business Development Center (SBDC) in Aberdeen, SD.When asked about her experience with SBDC, and how it helped her, Samantha had this to say,  “Kelly was able to work through all my...

Beadle and Spink Enterprise Community (BASEC) Celebrates 30 Years

Thursday, January 30, 2025

Since December 12, 1994, BASEC has been a part of economic development for both Beadle and Spink Counties. With some start-up guidance from the Northeast South Dakota Community Action Program (NESDCAP), BASEC was established to address the unique needs of these counties and has played a key role in community development. Over the past three decades, BASEC has generated an impressive $30 million in loans, directly contributing to the economic growth of both Beadle and Spink Counties. These loans have helped local businesses thrive, supported agricultural advancements, and enabled community projects to further benefit the community. Today, BASEC stands as a testament...

Building Strong Foundations: How GROW South Dakota Supports Homeowners and Communities

Tuesday, January 21, 2025

South Dakota is known for its opportunities, resilience, and close-knit communities. Central to these values is the importance of safe and affordable housing. GROW South Dakota, a statewide nonprofit organization, diligently ensures that housing is necessary and a cornerstone for building better lives and thriving communities.The Role of GROW South Dakota in HousingSince its inception, GROW South Dakota has been a pillar of support for homeowners and prospective buyers throughout the state. By offering tailored programs and loan products, the organization helps individuals and families achieve their dream of homeownership. These efforts address immediate housing needs and contribute to long-term...

2024 BIG IDEA COMPETITION WRAP UP!

Friday, January 17, 2025

SD BIG Idea Finalists:Front Row: Owen Hoeft, Kelsey Lehr, Mallory Bellikka, Addyson Stiehl, Kyra Heupel, Samantha GeffreBack Row: Greyson (Pack) Forster, Matthew Cypher, Gage Kaiser, Jonathan Butler, Ethan Koopman, Ashley Haven.The 2024 BIG Idea Competition marked another successful year providing entrepreneurship opportunities for high school students.  A total of 283 entries were received involving 377 students from 66 schools. The competition has solidified itself as a national competition, offering a virtual competition for finalists outside of South Dakota in addition to the in-person event for South Dakota students. The 2024 event wrapped up Wednesday, December 11, at Northern State University (NSU) with...

Heating Up Hope: Catherine's Quest to Replace Her 50-Year-Old Furnace"

Friday, January 17, 2025

 Catherine Ramsell was in a bind. She knew that she needed to replace her 50-year old furnace, but had no idea where to start. Being on a fixed income, she was unsure of whether or not she would be able to come up with the money to replace an entire furnace. Looking for resources, one of her children contacted social services, and one of the pamphlets at the social services office said to contact GROW South Dakota for further help. This is where the pieces started to fall into place for Catherine. Once she applied, Catherine found out that she had...

NESDEC Section 0 Application White Paper

Monday, December 16, 2024

GROW South Dakota: Advancing Homeownership, Community Development, and Entrepreneurship

Monday, November 18, 2024

In celebration of National Entrepreneurship Month, GROW South Dakota recognizes the spirit of innovation and resilience that characterizes our communities. Through our dedicated programs focused on housing, community growth, and economic development, GROW SD is helping residents build their dreams and create a lasting impact.A Foundation in Homeownership and Community DevelopmentAt GROW South Dakota, we understand that homeownership is more than just owning property; it is about establishing a foundation for strong, vibrant communities. Our organization offers a variety of programs and loan products designed to make homeownership accessible for individuals and families throughout the state. We nurture stable communities...

Veteran Finds Unexpected Inspiration, Leads to New Business

Monday, November 11, 2024

This article was originally published by the USDA Rural Development.Inspiration can strike at the most unlikely times. For Trey Hendrickson, it struck when he was returning from deployment in Afghanistan. He had, what he recalls as ‘the best cup of coffee’ he’d ever had. It was a taste of home.U.S. Marine Trey Hendrickson found inspiration for Wild Grounds LLC while returning from a deployment to Afghanistan in 2013.Trey served five years in the United States Marine Corps and deployed once to Afghanistan. Now 11 years later, Trey and his wife own and manage Wild Grounds LLC, a coffee grinder and...

Chasing Dandelions brings Play Therapy to Aberdeen

Monday, October 28, 2024

Autumn Neigel founded Chasing Dandelions Play Therapy and Counseling Services, a one-of-a-kind business in her community. As she embarked on her counseling journey, she quickly recognized a significant gap in mental health services for young children. "I saw a need to work with young children in mental health where previously, there was little to no help," she explained. Autumn’s dedication and perseverance have helped her achieve remarkable milestones. She became the first in her family to earn a master’s degree, and she will soon hold the distinction of being the only registered play therapist in the area.GROW SD has played an...

Empowering Sustainable Communities: GROW SD's Impact on Homeownership

Thursday, October 03, 2024

Homeownership is a fundamental pillar of stability and prosperity in America, representing a crucial avenue to financial security and leaving a lasting legacy for most of the population. However, not all communities have enjoyed equal access to this opportunity, and significant disparities persist. GROW South Dakota (GROW SD) champions housing, economic development, and community support to foster sustainable communities.The Benefits of Homeownership Homeownership serves as a proven pathway to wealth accumulation and financial stability. Owning a home offers several long-term advantages, including:Forced Savings: Monthly mortgage payments build equity over time, effectively serving as a form of forced savings for homeowners. Wealth Creation:...

Fun Time Rentals Kicks Off their Business with the Help of GROW South Dakota

Tuesday, August 20, 2024

Starting a business can be overwhelming, and financing is just one piece of the puzzle. Fortunately, GROW South Dakota has knowledgeable staff who are ready to help you get started. When Derek Diedrich, owner of Fun Time Rentals, was planning his venture, he sought advice from a local banker who recommended the GROW South Dakota business loan program. Reflecting on their journey, Derek shared, "We had never owned our own business. Now, we own two: Fun Time Rentals and Fun Time Adventures." He added, "We started as a seasonal rental company offering just boats, campers, and jet skis. Now, we've...

Empowering Entrepreneurs: Business Lending with GROW South Dakota

Wednesday, August 07, 2024

A Legacy of Support for Business OwnersGROW South Dakota continues its mission to support business owners through loans and business technical assistance. This dedication to fostering economic growth remains steadfast, ensuring businesses have access to the resources they need to succeed.  Mark Nelson, Senior Business Loan Officer at GROW South Dakota, says, "Our mission is to empower local entrepreneurs by providing them with the financial tools and guidance they need to succeed. We are committed to helping businesses thrive and contribute to the economic prosperity of our communities."Affordable Business Financing StatewideAs a statewide lender, GROW South Dakota offers affordable business...

Anthony Jewelers Success Story

Monday, July 15, 2024

After 28 years in the business, Anthony Schwan, owner of Anthony Jewelers, fell ill and had to sell his business to keep up with his medical expenses. After some time had passed, he was able to move back to Aberdeen and restart his business. His finances looked grim, but with the help of GROW South Dakota, he was able to get back on his feet after being closed for two and a half years.  Anthony utilized GROW South Dakota’s business loan services and the digital literacy platform, Initiate. Initiate gave him a renewed sense of independence in today's digital age...

Creating Homeowners, Strengthening Communities: GROW South Dakota's Initiatives

Monday, June 24, 2024

June marks National Homeownership Month, a time to recognize homeownership's pivotal role in building strong communities and fostering economic stability. For many, owning a home is more than just having a place to live; it represents a cornerstone of the American Dream, providing stability, a sense of belonging, and an opportunity to build wealth. GROW South Dakota, a statewide non-profit organization, is dedicated to making this dream a reality for the residents of South Dakota. Through a range of programs and services, GROW South Dakota empowers individuals and families to achieve and sustain homeownership, contributing to the economic development of...

With the Wind Vineyard & Winery, nestled in a remote rural setting, embraces the challenges and opportunities of pioneering a vineyard and winery in an area devoid of such industry.

Thursday, May 23, 2024

With the Wind Vineyard & Winery, nestled in a remote rural setting, embraces the challenges and opportunities of pioneering a vineyard and winery in an area devoid of such industry. Owners, Jeremiah & Lisa Klein stated, “Starting a vineyard and winery where that industry does not already exist has challenges. We have a heart for our area and region, so we are building our business here. We love where we live and wouldn’t change a thing.”In their journey, With the Wind Vineyard & Winery found invaluable support from GROW South Dakota. Rejecting other offers that could have hindered their growth,...

GROW SD’s expert Homebuyer Education Services

Tuesday, May 14, 2024

Discover how you can contribute to the change by enrolling in our Homebuyer Education course today. This program is designed to empower you with the knowledge and tools necessary to navigate the path to homeownership successfully. GROW SD believes in fostering informed, confident homeowners, and we invite you to join us in creating a brighter future for yourself and the communities we serve. Enroll now, and let the journey to homeownership begin!  #GROWSD #HomeownershipJourney

GROW SD Spearheads Housing Development in Sisseton: A Community Collaboration for Growth

Friday, May 10, 2024

Sisseton Mayor, Terry Jaspers: "Any time we can make new housing or improve existing housing, there is a positive impact. We have new housing available to aid in recruiting new professionals to our health care and school systems. GROW SD has been the most effective in developing new housing in Sisseton in recent years. It takes a combined effort by several stakeholders in a community to impact available housing."Sisseton, South Dakota, has witnessed a significant housing development initiative led by GROW SD, which addresses crucial community needs and fosters positive change. In an exclusive interview with the COO of GROW...

GROW SD’s DPA program - Seamless integration with various loan types

Tuesday, May 07, 2024

Navigating the diverse landscape of home financing is made simpler with GROW SD's Down Payment Assistance program. Designed to support aspiring homeowners, our program allows for seamless integration with various eligible loan types. GROW SD ensures flexibility by partnering with approved first mortgage lenders. GROW SD's DPA: Funding Insights for Your Home Sweet Home!Embrace your homeownership journey confidently, knowing that GROW SD accommodates various loan options tailored to your needs. Find out more here.  #GROWSDAssistance #HomeownershipOptions

Economic Development Week: Empowering Growth with Business Lending and Coaching

Monday, May 06, 2024

Economic Development Week (EDW) is an annual event celebrated between May 6 and May 10. Established by the International Economic Development Council, it serves as a reminder of economic development initiatives' impact on communities, businesses, and individuals, fostering growth and opportunity. In South Dakota, one organization stands out for its commitment to advancing housing, community, and economic development—GROW South Dakota.Maureen Nelson, Senior Program Director, GROW South Dakota, says, “At GROW South Dakota, we believe economic development and growth are essential to building resilient, thriving communities. By investing in local businesses and providing support through lending and coaching, we empower entrepreneurs...

GROW SD: A trusted guide to help you navigate the path to successful homeownership

Tuesday, April 30, 2024

Your Path to Homeownership Starts Here: GROW SD's Trusted Counseling Services.As an organization committed to empowering individuals to achieve their homeownership goals, GROW SD invites you to enroll in its Homebuyer Education course. Our online courses are designed for convenience, offering expert counseling to ensure you're well-equipped for the journey ahead. The key to your dream home is within reach—take the first step by signing up for our Homebuyer Education now. Sign up here!  #GROWSD #HomeownershipGoals 

GROW SD - Your partner in achieving affordable homeownership

Tuesday, April 23, 2024

If used with other Down Payment assistance programs, GROW South Dakota's DPA has certain restrictions. Each DPA program has specific requirements for the amount/layering of assistance.The Key to Your Dream Home: GROW SD's DPA Funding Decoded!Starting on the path to homeownership may seem uncertain, but with GROW SD's Down Payment Assistance program, clarity is just a click away. Need more certainty about the amount you qualify for? Various factors, including your location, income, and the availability of funds, play a pivotal role in determining your eligibility. We understand the importance of tailoring assistance to your needs at GROW SD. Your...

GROW SD's Impact on Homeownership in South Dakota

Tuesday, April 16, 2024

Empowering Dreams: GROW SD’s Homebuyer Education CourseAs we reflect on our journey, we invite you to join us in making your homeownership dreams a reality. Enroll in our Homebuyer Education course and empower yourself with the knowledge and tools to navigate the path to homeownership successfully. At GROW SD, we are dedicated to helping you achieve your homeownership goals.  Ready to take the first step? Join us on this exciting journey!  Sign up here!  #GROWSD #HomeownershipGoals

Funds, Factors, and Homeownership Dreams: GROW SD Breaks it Down!

Tuesday, April 09, 2024

Preparing for the path to homeownership is made more accessible by transparent funding details within GROW SD's DPA program. The program, supported by diverse funding sources, introduces unique limitations and requirements, shaping a personalized approach for each aspiring homeowner. Offering a financial bridge ranging from $5,000 to $7,500, GROW SD stands out with a commitment to ease.Begin Your Homeownership Odyssey with GROW SD's DPA AssistanceThe funds, provided as a 0% interest, deferred payment, and 30-year mortgage, embody flexibility in payment conditions, activating only when specific events unfold. Whether refinancing, property sale or exchange, change in primary residence status, or the...

GROW SD: Building futures and transforming communities!

Tuesday, April 02, 2024

Investing in Communities: GROW SD's Holistic Approach to Housing AssistanceGROW SD offers comprehensive support, from counseling to loans, ensuring that every step of your homeownership journey is covered. Now, take the leap towards owning your dream home by signing up for Homebuyer Education. Let's build a future filled with thriving communities and fulfilled dreams together.  Enroll now, and let the journey to homeownership begin!  #GROWSD #CommunityImpact #HomeownershipJourney

Navigate Your Path to Homeownership: GROW SD's DPA Program Explained!

Wednesday, March 27, 2024

Curious about eligibility for GROW SD's DPA program? Secure financing from our approved lenders, meet income requirements, and complete a Homebuyer Education Course. Check out all the criteria here.  #SDRealEstate #GROWSD Eligibility Criteria for GROW SD’s DPA ProgramSeveral factors are affected by the amount you may qualify for, such as whether you are purchasing in a rural or urban area, what your household income is, and what funds GROW SD currently has available. For instance:You must have secured financing from a GROW SD-approved First Mortgage Lender (https://www.growsd.org/housing).The loan terms must meet specific criteria, such as no adjustable rate mortgages, which cannot...

HH Design selected as Young Entrepreneur of the Year by SBA

Tuesday, March 19, 2024

HH Design Employees Maggie Gefroh and Nicole Ingvalson, Owner Hillarey Warner, and GROW SD CEO Marcia EricksonHillarey Warner owner of HH Design in Britton, South Dakota, was selected to be the U.S. Small Business Administration’s South Dakota 2024 Young Entrepreneur of the Year, after being nominated by GROW SD.After graduating from Northern State University with a BA in Advertising Design, Hillarey decided to return home and support the small community she grew up in. Hillarey began her business in 2014, in her home, but quickly realized she would need a much larger space to work in. She began leasing a...

Embark on Your Homeownership Journey with GROW SD’s Down Payment Assistance

Friday, March 15, 2024

Exciting News from GROW SD! Learn about our Down Payment Assistance program, providing 0% deferred loans up to $10,500 for your dream home!Unlock Your Homeownership Journey! Discover the factors that impact your eligibility for GROW SD's Down Payment Assistance program. Whether you're buying in a rural or urban area, your household income and our available funds play a role. Funding typically ranges from $5,000 - $7,500, provided as a 0% interest, deferred loan that follows the terms of your first mortgage.Unlock Your Homeownership Journey with GROW SD’s Down Payment Assistance!Down Payment Assistance (DPA)  is a 0% deferred loan (this is...

A Journey to Homeownership

Tuesday, November 21, 2023

It was a journey filled with ups and downs, but Alexis's dream of purchasing her first home became a reality with the help of GROW South Dakota. Her story is a testament to the organization's commitment to supporting individuals on their path to homeownership.Alexis had always dreamed of having a place to call her own, a space where she could build memories, and a house she could truly make into a home. However, it was a challenge to save for a down payment and navigate the complex home-buying process.That is when she discovered GROW South Dakota and its down payment...

Empowering South Dakota Businesses: GROW South Dakota's Business Lending Solutions

Wednesday, November 01, 2023

For more than four decades, GROW South Dakota has remained steadfast in its mission to provide vital support to business owners across the state. Through a combination of accessible loans and comprehensive business technical assistance, GROW SD continues to play a crucial role in fostering entrepreneurship and economic growth in South Dakota.Business Lending: Fueling South Dakota's AmbitionsGROW South Dakota has a broad reach as a statewide lender, helping finance new and existing businesses. Whether you need capital for real estate, equipment, inventory, or working capital, GROW SD stands ready to support your aspirations.Tailored Financing SolutionsGROW SD understands that each business...

From Electric to Solar

Monday, October 23, 2023

For more than 40 years, Grow SD’s mission has been providing innovative advancement of housing, education, and economic opportunities throughout South Dakota. David Lau utilized Grow SD’s services that support business owners through loans and business technical assistance. Lau owns Lau Repair and Trucking, located in rural South Dakota, and has had multiple loans with GROW SD over the past 10 years.  His most recent loan was for the refinancing of a higher-interest loan that he used to install solar panels on his shop building.  With the funds from Opportunity Finance Network, GROW SD was able to reduce the interest rate...

Empowering Dreams: Flourish Wellness & Birth Co Shines Bright during National Women's Small Business Month

Tuesday, October 17, 2023

October not only paints the world in hues of autumn but also serves as a celebration of resilience, innovation, and passion. It's National Women's Small Business Month, a time to recognize the remarkable achievements of women entrepreneurs who shape economies and communities. In the heart of Sioux Falls, South Dakota, two extraordinary women, Sarah Roe and Erin Vande Lune, stand out as beacons of inspiration through their thriving venture, Flourish Wellness & Birth Co. Their journey to success not only showcases their dedication but also highlights the crucial role played by Community Development Financial Institutions (CDFIs) like GROW South Dakota...

Homan Hardware

Tuesday, September 12, 2023

Homan Hardware located in Faulkton, SD has recently expanded its retail store to help bring more products and services to Faulkton and the surrounding communities. Chad and Diana Homan started the hardware store back in 2014 but had been already offering a small variety of hardware items in their other business, Homan Welding, since 2007. They saw that the Faulkton area was in need of a full-service hardware and farm store to help keep more dollars locally spent. Therefore, Homan Hardware was created.In addition to the hardware store, Chad operates the welding and repair business and raises cattle. Diana was...

GROW South Dakota Empowers Sioux Falls CO.STARTER Graduates, Fostering Small Business Success and Diversity

Tuesday, July 25, 2023

Earlier this month, in the heart of Sioux Falls, GROW South Dakota’s Business Loan Coach, Rachael Gilbertson, attended the graduation ceremony for the 3rd Multi-Lingual CO.STARTERS Sioux Falls group in collaboration with Lutheran Social Services.  The graduation ceremony was a celebration of achievement, resilience, and diversity. Current and future small business owners proudly shared their business pitches and success stories while representing the rich cultural tapestry of Sioux Falls. The CO.STARTER graduates emerged as inspirational figures, showcasing the limitless potential within the community. GROW South Dakota partners with Startup Sioux Falls through the SBA Community Navigator Pilot Program...

Success Story

Tuesday, July 25, 2023

GROW South Dakota is a non-profit organization that has been providing housing, community, and economic development programs and services in the state of South Dakota for more than 50 years in an effort to preserve our rural way of life.  A part of what GROW South Dakota does is facilitate small business loans in order to promote success locally and throughout the region.  The goal is to provide funding to our clients in order to help them secure the required equipment, space, inventory, and working capital necessary to conduct a successful business. GROW works to provide services tailored to each...

GROW South Dakota Supports Women-Owned Businesses

Thursday, July 20, 2023

Let's take a moment to celebrate the remarkable journey of a local entrepreneur and the incredible support provided by GROW South Dakota! Meet Joanne Bogus, the passionate founder of Cooks and Bakers Kitchen, an amazing culinary haven in Sioux Falls. Her dedication to her craft and determination to create a thriving business has truly left us inspired. But the story doesn't end there! Thanks to the invaluable assistance from GROW South Dakota, Joanne's dreams have been nurtured and transformed into reality. GROW South Dakota’s commitment to empowering women entrepreneurs played a pivotal role in providing Joanne with the resources,...

Seven valuable tips for first-time homebuyers in South Dakota

Thursday, April 20, 2023

Buying a home for the first time can be overwhelming, as it can be a significant financial decision. But, with the right kind of guidance, research, and planning, it can be quite a fulfilling journey.  If you are a first-time homebuyer in South Dakota, here are some tips to help you make the right decisions: Set up your budget:  Before you start house hunting, it is crucial to have a budget in place. You should have a figure in mind for how much you can afford to spend on a house. Try to stick to this number...

The importance of Business and Housing Education in South Dakota

Tuesday, April 18, 2023

Business and housing education are crucial for individuals and communities in South Dakota, USA. With the proper education and resources, individuals can make informed decisions regarding homeownership and financial management, leading to long-term stability and growth. Here, we shall explore the importance of business and housing education in South Dakota and the services offered by GROW South Dakota. Education is key for prospective homeowners For individuals looking to become homeowners, education is key. Homeownership is a significant investment, and home purchasing should not be taken lightly. By receiving pre-purchase counseling, individuals can better understand the home-buying process and...

Deutsch named Young Entrepreneur of the Year

Monday, April 17, 2023

Each year, the U.S. Small Business Administration (SBA) honors small businesses and entrepreneurs across the country for their community leadership and achievements. In conjunction with that, the SBA South Dakota District Office has selected Fallon Deutsch of Langford as the Young Entrepreneur of the Year. Fallon is the owner of Distinctly Drey, an online boutique that offers a variety of different clothing, tops, bottoms, outerwear, loungewear, clothing for toddlers, and so much more. Fallon stays on top of fashion trends and changes her clothing with the seasons. She frequently runs sales, and one of these sales includes the "Cyber Monday Mystery Bags".Fallon’s...

Poverty Simulation to be held

Monday, April 17, 2023

Could you survive a month in poverty?107,500 South Dakotans, 34,000 of whom are children under the age of 18, live in poverty every day. Many more have incomes above the poverty line, but their incomes are still low enough to qualify for programs like Food Stamps and Medicaid. The recent economic downturn has seen unemployment rates rise and the use of emergency food pantries increase.It is difficult for those of us who have enough to truly understand the situations that families living in poverty experience every day – the decisions they have to make, and the fears and frustrations they...

GROW South Dakota launches new Digital Literacy program

Friday, April 14, 2023

GROW South Dakota has released a new program called Digital Literacy. In this program, GROW South Dakota is offering FREE options to renew or expand your knowledge of the digital world. There are multiple courses to fit a variety of needs and we can also work with you on a one-on-one basis, if you prefer. Online education is provided through the NorthStar program, which offers classes on Basic Computer Skills, Internet Basics, Using Email, Windows, Mac OS, Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Google Docs, Social Media, Information Literacy, and Career Search Skills. These classes are self-paced and can be...

Important tips to help prepare youth for financial wellness

Friday, February 10, 2023

Financial wellness starts with an awareness of money and savings early on. There are many lessons to be learned, and there could be some pitfalls on the way. New lessons and concepts will appear during different stages of your kids’ lives. Teaching them will require some planning, intentionality, and patience on your end and practice on theirs. However, it will be time well spent and your children will thank you for it later as their earnings are well spent (and saved)! Money need not be a taboo subject, and the earlier we start talking to our youth about it,...

Homeless Count

Wednesday, December 21, 2022

This count provides a community with a unique snapshot of their unsheltered homeless population as this data is generally not provided for by other measures. On Tuesday, January 24, 2023, South Dakota Housing for the Homeless Consortium – SD-500 Statewide Continuum of Care will be conducting the Annual Point-In-Time Homeless (PIT) Count and Housing Inventory Chart (HIC) activities. These activities are required by US Dept. of Housing and Urban Development (HUD) nationwide as part of the Continuum of Care Program. The information is collected across the country and reported to the US Congress. The information is also used for measuring progress,...

Rural Champion Award

Wednesday, December 21, 2022

GROW South Dakota’s CEO, Marcia Erickson, was one of two individuals that received the 2022 Rural Champion Award at the Rural LISC Conference in Washington D.C. This award goes to individuals who have helped to elevate, amplify, and advocate for the unique needs of our rural communities. For over 30 years, Marcia has demonstrated outstanding leadership and a commitment to helping rural communities across the state of South Dakota.

Successful Digital Navigator Class

Wednesday, December 21, 2022

GROW SD along with the Sisseton Library, with funding from Rural LISC and Wells Fargo, hosted two video calling classes the week of December 5th at the Sisseton Library. Over the course of two days, a total of 12 participants successfully installed and navigated Zoom, FaceTime, Facebook, Messenger, and Snapchat. GROW SD is happy to help people connect for the Holidays! If you or anyone you know needs help with digital navigating please contact Olivia at (605)698-7654 x 122 or email olivia@growsd.org. 

National Write a Business Plan Month: Useful tips on writing a business plan for your enterprise

Tuesday, December 06, 2022

In South Dakota, entrepreneurs and business owners are crucial to our thriving community and economy. GROW South Dakota is here to support new and existing businesses in the community.   Do you own a business? Are you just beginning the process of starting your own business? In either case, you can provide a sense of direction to your enterprise’s daily operations with a business plan. A well-written business plan can help you measure and guide your company goals. December is “National Write Your Business Plan” month, and there is no better time than now to explore how to create...

Economic Developers: A Great Resource for your Business

Wednesday, November 23, 2022

Setting up a business is a challenge. Just managing the paperwork, accounting and regulations alone can be daunting to an entrepreneur. Not to mention the essential capital requirements every business needs to kick start operations. Where can a new business owner turn to get their questions answered? Look no further than GROW SD. GROW South Dakota is a statewide non-profit organization that provides programs and loan products to advance housing, community, and economic development, and is a valuable resource to help build your businesses or to get help attracting the right talent for your team.  Resources to Help...

Holiday Video Call Class

Friday, November 18, 2022

Kristin Hofland receives CCAP

Wednesday, November 09, 2022

Kristin Hofland of GROW South Dakota was recently recognized as part of the 2022 class of Certified Community Action Professionals (CCAP), a designation earned from the National Community Action Partnership in Washington, D.C. for demonstrating mastery of community action vision and values, history, management, 21st-century leadership, and addressing the causes of poverty. Earning the CCAP credential is a rigorous process. Candidates must complete a candidate data form, develop an executive skills portfolio to demonstrate professional expertise, and pass a four-hour exam. Benefits of achieving the certification include earning recognition for accomplishments, enhancing credibility as a leader in the field,...

Small Business Saturday - Let’s support our small business community

Wednesday, November 09, 2022

Many favorite shopping memories are made when visiting a small business in a downtown setting. There is something special about shopping at a local store where the owners greet you by name, swap stories with you, and ask you how your family is doing. You will undoubtedly experience this type of friendly atmosphere in South Dakota. This Small Business Saturday, the team at GROW South Dakota would like to thank all of the small businesses in South Dakota for the positive impact they have on our lives – during the holidays and all year long!  Recognizing Local Businesses this...

A Place to Call Home

Tuesday, November 08, 2022

When Tasha brings in foster children, she knows the children need a safe place to call home, if only for a short time. It was hard for her to call her rental place home when it really wasn’t hers. She dreamed of purchasing a place to call her own, a home that she could welcome others into during their time of need. That’s when she started doing her research, as she knew she wouldn’t be able to afford a house through a bank without a down payment. After hearing about GROW South Dakota’s homeownership programs, Tasha decided to reach...

Digital Navigators are here to help close the digital divide

Tuesday, November 08, 2022

If you struggle to market your business, want to learn more about social media, or want to learn how to better navigate your devices the GROW South Dakota digital navigator team is here to help. GROW South Dakota has partnered with RURAL LISC to help close the digital divide in Northeast South Dakota. If you are struggling to pay for your internet you may qualify for the ACP program, click here to find out more information. (link:  https://www.fcc.gov/acp )

Kimberly Lorensberg receives a Professional Certificate in Nonprofit Leadership

Tuesday, November 08, 2022

Kimberly Lorensberg recently received a Professional Certificate in Nonprofit Leadership from the Center for Corporate Citizenship thanks to the Wells Fargo Academy for Nonprofit Leaders. Kimberly said 'It was an honor to have been nominated and selected as one of 15 leaders across the nation for the Fall 2022 program! I am grateful for the connections made with industry leaders and the amazing faculty and I look forward to using the knowledge gained to further the impact made by GROW South Dakota!"

How small businesses can cope with inflation

Monday, September 12, 2022

Inflation is impacting everything - from manufacturing, grocery, and retail to small businesses.  Inflation has been reported to range from 6.8 to 8.2% for 2022 - staggering rates of inflation that haven’t been seen since the 1980s. The all items index increased 9.1 percent for the 12 months ending June, the largest 12-month increase since the period ending November 1981. According to the U.S. Bureau of Labor, at the same time as inflation is rising, real average hourly earnings for all employees decreased by 0.6 percent. That’s the impact of inflation because it reflects a 1.0 percent increase in...

Avoid future home repairs with preventative maintenance

Wednesday, July 20, 2022

It is said, “An ounce of prevention is worth a pound of cure”. The best way to avoid costly repairs to your home is to carry out regular maintenance on it. Remember, the more effort you put into caring for your home, the less money you will need to spend on it.  With smart home care devices driven by technology, more and more homeowners can get savvy in taking care of their homes. Here is a handy guide to keeping your home in great shape: Pipes: The cost of a leak or a sewage back can be significant...

The importance of budgeting for individuals and families

Tuesday, June 28, 2022

The usefulness of having a budget in our daily lives cannot be overemphasized. What is a budget? A budget is simply a financial plan that takes into account both current and future incomes and expenditures. Armed with a budget you can keep your spending in check. You will also stay informed of your savings and whether they are on track for the future.  In the current market scenario, budgeting is even more important - a wise budget seeks to ensure you and your family have financial security and are working effectively to achieve financial or lifestyle goals. Below are...

National Homeownership Month: Owning a home has many benefits

Wednesday, June 15, 2022

For many of us, a home is more than just a residence. It is a place that evokes a feeling - that of pride, security, comfort, and joy. A home is where we can face life’s challenges and watch our children grow. Across the country, National Homeownership Month is celebrated in the month of June every year. Owning a home renders great value to families, communities, and neighborhoods across America, and by becoming a homeowner, a person gets one step closer to fulfilling the American dream. The month of June celebrates the joys of becoming a homeowner, bringing manifold advantages...

A Path to a Better Future

Thursday, June 09, 2022

   They say when it rains, it pours. For one GROW South Dakota client, it was a torrential downpour! First, his car broke down, so he didn’t have enough money to fix it because he had to pay his monthly bills. Then he nearly lost his job because he didn’t have transportation to get to work. The last drop in the bucket was an emergency stent surgery. It was a dire situation. “I was very concerned about the cascading crisis of potentially becoming homeless, losing my car, and possibly losing my job,” he stated. “I really didn’t have anyone to...

NeighborWorks Week

Thursday, June 09, 2022

In honor of NeighborWorks Week, staff from NeighborWorks Amercia came to visit the staff of GROW SD.   They received a tour around the town of Siseton to highlight the work done by GROW SD. GROW SD staff provided sidewalk chalk and treats to area daycares and after school programs. NeighborWorks staff and GROW SD staff attended the South Dakota Native Homeownership Coalition convening in Flandreau, where Lori Moen was elected to the first official board of directors.https://youtu.be/_x9INlqgdjE 

GROW South Dakota: Helping businesses to grow and succeed

Wednesday, May 25, 2022

What makes South Dakota a great place to do business? As one of the best states in the country to expand your business or to re-locate it, South Dakota has a conducive business environment, where innovation and talent are encouraged, there is room to grow, and a reliable workforce helps business aspirations to come through - all these from the geographic center of the United States.  Today, South Dakota is characterized by a strong work ethic and high productivity workforce, a state with the #1 business tax climate in America, and accessibility to leaders to get the job done...

Creating a Better Business and Family Life

Wednesday, April 06, 2022

Being a business owner can be an exciting, yet stressful venture, which can come with its own set of risks and rewards. Having already been in business for 15 years, Ashley Cleveland, owner of Simple Pleasures Massage Therapy in Sisseton, SD, knows this firsthand. Once Ashley got word that the salon she rented space from would be closing, she knew she had a decision to make. Ultimately, Ashley chose to relocate her business to her home, which also meant that she would need more space. Ashley contacted GROW South Dakota to discuss financing options. She was able to...

Dakota Grain & Salvage

Wednesday, April 06, 2022

Dakota Grain & Salvage specializes in fast and effective grain salvage and clean up services. Their pneumatic systems are able to clean up the toughest jobs. Services include anything from cleaning up grain, fertilizer or any commodity left in bins or storage. Helping with fire, floods, spills, mold, sour grain, and even infestation. In addition, their service area is quite vast from being able to travel all over the Midwest and West Coast. No job is too much for this determined, experienced, and trained team of professionals. Prior to the success of the company, Bridgette (Co-Owner) worked at a...

Making the Leap to Homeownership

Wednesday, April 06, 2022

Tired of throwing her money away on rent for a small trailer, Dana Hansen was ready to become a homeowner. But, she needed some guidance. GROW South Dakota worked with her to make a plan to save money and improve her credit. They provided her with a homebuyer education class at no charge and assisted her through the whole process of purchasing a house. She stated, “They are all-out amazing people and helped me every step of the way. I am so happy in my home.” Dana now is saving money because her monthly mortgage payment is cheaper than...

GROW South Dakota Assists with Starting a Business

Tuesday, March 29, 2022

Starting up a new business can be a daunting challenge. Many decisions must be made such as where to locate the business, how to get start-up funding, and how to create a successful business plan. Entrepreneurs should not fear this process, though, as there are programs that can help make this adventure a smooth process. For more than 40 years, GROW South Dakota has supported business owners through loans and business technical assistance to new and existing borrowers. According to GROW South Dakota board member Craig Rau, “The programs have helped people live their dream of starting a business...

GROW South Dakota Provides Assistance to Businesses

Tuesday, March 29, 2022

As an attorney, Vince Foley deals with people who have great ideas about how to contribute to the economic growth in their community. As a board member of GROW South Dakota, he uses his experience to guide those ideas into action. Over the years, that organization has grown into a state-wide leader in providing assistance in housing, community, and economic development. This includes housing and business loans, down payment and closing cost assistance, homebuyer education, and emergency assistance. According to Foley, “Too many times, the barriers for people with ideas are the lack of knowledge on how to...

Lending Made Possible Through GROW South Dakota: Making Home Ownership Dreams Come True

Thursday, March 03, 2022

GROW South Dakota’s housing programs support individuals and families in making their dreams of homeownership come true with direct financing for the purchase of a home, and down payment and closing cost assistance funds for income eligible applicants. GROW South Dakota is a HUD-approved counseling agency & Housing Education Resource Organization (HERO), offering individual and online education for current and prospective homeowners.  Eligibility criteria and types of financial assistance GROW South Dakota offers two types of financing. The Direct 1st Mortgage Financing program is available to potential borrowers who meet program eligibility, have acceptable credit, repayment ability and...

Financial Awareness for Business Health

Wednesday, February 09, 2022

It makes good business sense to be aware of your financial fundamentals. Sound financial health can dramatically improve your business and prevent calamities. Good business health means you have the ability to reach your goals and take advantage of opportunities- these lend you the flexibility to pursue your dreams. The only way to achieve financial health is through financial awareness. We are just into the beginning of the year, and it is always a good time for business owners to take a look at their spending, determine their goals for the year and set saving plans to achieve them. But...

GROW South Dakota Programs Available to Local Residents

Wednesday, February 09, 2022

Residents hoping to make much-needed home improvements can turn to GROW South Dakota for assistance. One of the organization’s many programs includes weatherization where a home energy audit is completed to determine what repairs are cost-effective to increase energy efficiency and reduce the cost of utilities. Income-eligible homeowners may also qualify to receive help with roofing, siding, windows, furnace replacements or repairs, or other necessary home improvements through other programs. According to local board member, Haden Merkel, her community of Mobridge includes a large population of older residents and families on fixed incomes. “I think everyone wants to be...

Lender Appreciation

Wednesday, February 09, 2022

GROW South Dakota would like to take this opportunity to thank each and every lending partner that utilized the Down Payment /Closing Cost program through our agency.

National Write a Business Plan Month: Some useful tips on writing a business plan for your enterprise

Tuesday, December 21, 2021

At GROW South Dakota, entrepreneurs and business owners are crucial to our thriving community and economy. One of GROW SD’s goals is to maintain good relationships and communication with the business community. Advice and technical assistance are offered, in order to help companies problem-solve to optimize their chances for success and expansion. Do you own a business? Are you just starting out to own one? In either case, you can provide a sense of direction to your enterprise’s daily operations with a business plan. A well-written business plan can help you measure and guide your company goals. With December...

Supporting South Dakota Businesses On Small Business Saturday

Wednesday, November 24, 2021

Interposed between the furor of Black Friday and Cyber Monday, Small Business Saturday is an opportunity for South Dakota shoppers to stand by the local business community and in turn, give a boost to the local economy.  Small Business Saturday is a day dedicated to celebrating small businesses and encouraging consumers to shop at local establishments. Now in its 12th year, Small Business Saturday falls on November 27. American Express started Small Business Saturday in 2010 in the midst of the recession to give small businesses a boost. The movement gained significant traction in 2011, when the Senate unanimously...

Honoring Women’s Small Business Month In South Dakota

Monday, November 01, 2021

The month of October, that just went by, is celebrated as Women in Small Business Month - honoring women-owned businesses (11.6 million and counting) around the country. According to a 2020 report by the National Women’s Business Council, 42% of all US businesses are represented by women owners. With 9.4 million employees and $1.9 trillion in revenue, we observe that women-owned businesses are concentrated in industries such as child daycare, private households, beauty salons, fitness, and home healthcare services. Celebrating Women Business Owners In South Dakota For most women owners being successful in business means not subscribing to set expectations, but instead, defining their...

Small Business Lending In Grow South Dakota-Offering The Community A Voice

Wednesday, October 20, 2021

For a business to succeed, financing plays a huge role in the entrepreneurial landscape. GROW South Dakota was formed to provide housing, community, and economic development statewide.  It has had a broad and lasting impact on the small business community. Through its business lending program, it continues to serve the communities of South Dakota by providing technical assistance and small business loans.  Over the years, GROW South Dakota has deployed 2,298 business loans to 1,413 businesses, financing over $89.5 million. Any new or existing business in the GROW South Dakota service area may qualify for a loan. With loan...

SBDC/GROW SD Ribbon Cutting

Monday, July 26, 2021

Staff are pictured at the ribbon cutting at the SBDC/GROW offices in July, along with the Aberdeen Area Chamber of Commerce.  Representing the agency and programs are Marcia Erickson, Brenda Waage, Kelly Weaver, and Kendra Hinz.  The Aberdeen office relocated to Malchow Plaza at 506 South Main Street, Suite 2, this spring.

GROW SD Celebrates National Homeownership Month During June

Friday, June 04, 2021

GROW SD celebrates National Homeownership Month during June by raising awareness about the benefits that home ownership brings to families, neighborhoods and communities alike. The real estate market is thriving, and GROW SD is working to make homeownership a reality for many people who may not have the opportunity otherwise. Learn more about why homeownership matters and how you can become a homeowner too.  Why Homeownership Matters Owning a home is a cornerstone of the “American Dream”.  “Grow SD helped me achieve my goal of finally owning a home, not only for me but most importantly my...

GROW SD Celebrates Small Businesses in May

Wednesday, May 05, 2021

With spring in the air and the COVID-19 spread slowing, businesses are beginning a journey of recovery. For those looking for an opportunity to support local businesses, May is an excellent time to shop for local goods and services. The month of May includes two recognition weeks - Small Business Week and the 2021 National Economic Development Week. Small Business Week The U.S. Small Business Administration (SBA) has historically held its National Small Business Week in the first week of May each year. The COVID-19 pandemic forced 2020’s event to occur in September, but many organizations have been...

Women in Leadership

Wednesday, March 31, 2021

Committed, inspired, dedicated, empowered.  These are just a few words that describe the journey taken by the leadership within GROW South Dakota.  More impressive, is the chief leadership positions are held by four women with a combined total of over 100 years of experience with GROW SD.  This dedication to persevere through decades of challenges, growth, and change has allowed GROW SD to become one of the nation’s leading organizations in their industry. Marcia Erickson, Co-Chief Executive Officer, has been with GROW SD for over 32 years and Lori Finnesand, Co-Chief Executive Officer, has been with GROW SD for 30 years. ...

Celebrating Women’s History Month

Monday, March 15, 2021

In recognition of Women's History Month, GROW South Dakota is commemorating and celebrating the vital role of women in American history.  One of the leaders we celebrate is JoAnn Schaefers, Faulkton, and previously from Polo.  JoAnn Schaefers has served on the Board of Directors for GROW South Dakota for 47 years.  Schaefers served on the Northeast South Dakota Community Action Program (NESDCAP also known as GROW South Dakota) Board of Directors for 10 years, including a number of terms on the State Community Action Board. Following her tenure on the NESDCAP Board she began serving on the Northeast South Dakota Economic Corporation (NESDEC also known...

Erickson Named President of National NeighborWorks Association Board

Monday, March 15, 2021

Marcia Erickson, GROW South Dakota CEO, recently became President of the Board of Directors for the National NeighborWorks Association (NNA). She will serve a two-year term. NNA is a national membership-based trade association for NeighborWorks America chartered organizations that are providing over $9.3 billion of affordable housing and community development across the nation. NNA provides national advocacy for policy and funding for these organizations as well as membership benefits that either reduce operating costs or increase revenues. Marcia has been with GROW South Dakota for more than 30 years and became the CEO in 2005. Marcia has a broad...

GROW SD Partners with State Farm® for Purchase Wisely, Live Safely Initiative

Monday, February 22, 2021

GROW South Dakota was awarded a Good Neighbor Citizenship grant from State Farm® for its Purchase Wisely, Live Safely Initiative. This initiative will enhance the potential for households to move through the home buying process successfully. Preparing homeowners for the expectations of applying for a home loan, raise awareness and give specific guides on how to proactively develop a personalized plan to keep their homes healthy and safe. Home safety is critical now when more people are spending additional time at home due to the COVID-19 pandemic. Maureen Nelson, GROW SD Project Director said, “we are thankful for the partnership...

NeighborWorks America Launches Campaign Empowering Homeowners and Renters to Combat Housing Scams

Monday, February 22, 2021

Visit StopHomesScams.org to help protect consumers against foreclosure and eviction GROW South Dakota has joined Neighborworks® America to launch the Stop Home Scams Initiative to protect consumers against foreclosure and eviction fraud. StopHomeScams is a national public education campaign led by Neighborworks® America with support from the Wells Fargo Foundation, National Fair Housing Alliance, and National Foundation for Credit Counseling designed to help protect consumers by empowering them to act and protect their home and community from scammers. The goal is for consumers to know the signs, get the facts, and stop home scams. The economic impact of...

Annual Point-In-Time Homeless Count

Wednesday, January 20, 2021

Tuesday, January 26, 2021, South Dakota will be conducting the Annual Point-In-Time Homeless (PIT) Count and Housing Inventory Chart (HIC). These activities are required by US Dept. of Housing and Urban Development (HUD) nationwide as part of the Continuum of Care Program. The information is collected and reported to Congress. The information is also used for measuring progress, identifying strengths in services, identifying gaps in services, increasing public awareness and enhancing system planning.  GROW SD will be helping to coorindating the count for the following counties in SD: Beadle, Brown, Campbell, Day, Edmunds, Faulk, Hand, Hughes, Hyde, Marshall, McPherson, Potter, Roberts,...

Warming Up an Old Home

Wednesday, January 20, 2021

I was living on fixed income, in an old home with very little insulation; even setting my thermostat to 78 degrees did not warm the house up.   My daughter looked online and found GROW SD and helped me apply for their Weatherization Assistance Program.  GROW SD completed an energy audit on the home, which helped to determine what work was needed on the home.  Insulation was added in the attic, basement and walls; light bulbs were replaced.  The dryer vent and bathroom exhaust fan were fixed, plus much more.   Because of GROW SD, my house is warmer and peaceful...

Weatherization Benefits Homeowners and Renters During the Pandemic

Tuesday, January 19, 2021

Weatherization helps homeowners save money by improving the energy efficiency and comfort of their homes. Weatherization has proven to be especially important during the pandemic when many homeowners and renters are home more of the time. The Weatherization Assistance Program (WAP) provides qualifying homeowners with weatherization services during the pandemic and beyond.   Benefits of Weatherizing Your Home The benefits of weatherizing go far beyond keeping homes warmer during the winter months. Weatherization benefits homeowners year round and reduces their overall cost of living.  Weatherization lowers energy bills.  Weatherization is vital during the pandemic as the energy...

GROW South Dakota Provides Home Ownership Assistance and Home Improvements

Wednesday, December 09, 2020

GROW South Dakota helps deserving community members find permanent homes through Home Ownership Programs. These programs provide financing for home purchases, down payment assistance and closing cost assistance. GROW SD also offers homeownership education and housing counseling to qualifying individuals through the HUD approved Housing Counseling Agency and Housing Education Resource Organization.  One recipient of GROW SD assistance, who wishes to be kept confidential, recollects her former situation and how GROW SD helped her find a new home more suitable to her needs.  “I was living in a high rise one bedroom apartment. We were allowed to have...

SBA Achieves Historic Small Business Lending for Fiscal Year 2020

Thursday, October 29, 2020

South Dakota: Thirty-one thousand loans worth $2.2 billion stabilized State’s small business sector and put it on the road to recovery SOUTH DAKOTA – The U.S. Small Business Administration announced Fiscal Year 2020 summary loan data of the financial assistance provided through traditional loan program lending as well as aid provided via the CARES Act. Loans guaranteed through traditional SBA-backed lending programs exceeded $28 billion; however, enactment of the CARES Act dramatically increased loan volume guaranteed by the Agency.  In FY20, the Paycheck Protection Program provided an additional 5.2 million loans worth more than $525 billion, the Agency’s Economic Injury Disaster Loan...

National Women in Small Business Month Feature Hillarey Warner

Tuesday, October 20, 2020

HH Design is one of the many successful women-owned businesses in Britton, South Dakota. Owner, Hillarey Warner, fulfilled her dream of becoming a full-time graphic designer in 2014. As a successful entrepreneur and woman in business, Warner has blazed her own path, warding off distractions, to become a staple business in Britton. She provides community members with screen-printing, stationary printing and embroidery application among many other services.  After graduating from Northern State University with a BA in Advertising Design, Warner knew she wanted to return home and support the small community she grew up in, Britton. She credits the...

How the 2020 U.S. Census is Adapting During COVID-19

Tuesday, June 16, 2020

The U.S. Census is conducted every 10 years in efforts to count the entire population of the United States. The Census asks American households questions such as sex, age, and race of each person in the household. These demographics help determine congressional representation and how much funding each state, county, and community received of the $675 billion per year in federal funding. These funds are spent on schools, hospitals, roads, public works, and other essential programs. The data gathered from the Census is also very helpful for businesses and developers in Sisseton and surrounding communities. Businesses can use Census...

Celebrating June as Home Ownership Month

Monday, June 08, 2020

Helping Those Who Help Others Moving to a new state to be closer to children and grandchildren, one Washington state pastor found out it takes a lot of money to purchase a house. He cashed out his 401K but that wasn’t enough for the down payment. His bank suggested he contact GROW South Dakota for assistance. Through the down payment assistance program, the pastor and his wife were able to purchase a home in a central location near their family. After years of renting, they now will be building equity in a home of their dreams. Finding That...

GROW South Dakota Highlights NeighborWorks Week

Monday, June 08, 2020

During NeighborWorks Week, June 6-13, GROW South Dakota and other NeighborWorks organizations across the country will host several events that educate, train and inform. GROW South Dakota will provide a virtual platform this year to bring awareness about the programs we have to offer including home ownership options and economic development.  Other activities this week include a Regional Economic Roundtable for economic development leaders to come together to provide development opportunities and solutions, and GROW SD will host a QuickBooks online tutorial. "NeighborWorks America provides a very impactful role in partnering with non-profits across the country.  NWA, along with its many...

Making your Home Ownership Dream a Reality

Monday, June 08, 2020

Have you always dreamed of owning your own home? Does the process seem overwhelming, and you’re just not sure where, or how to start? GROW South Dakota is here to help make that dream a reality. GROW South Dakota is a HUD approved Housing Counseling Agency and Homeownership Education Resource Organization (HERO). With our team of trained, HUD certified counselors, we are here every step of the way to ensure you have the tools, knowledge and education needed to become a successful homeowner. Each counseling session is tailored to fit the individual needs of each client.  In addition...

A Life Changing Event

Monday, May 18, 2020

“Because of this program, I no longer have to worry about C02 poisoning. I have adequate heat and no wind blowing through the windows and doors. For the first time, I don’t have to walk to the outhouse and worry about falling. I’m able to take a shower without going to someone else’s house. To say what I have received from the program has been life-changing would be a complete understatement.” In 2018 GROW South Dakota’s weatherization team received a call from Ruth, a senior resident, in need of assistance with heating her house. When the weatherization team...

Dakota Butcher - 2020 SBA Entrepreneur of the Year

Monday, May 04, 2020

Seeing a business close their doors in a small town is always difficult. When the Clark meat shop closed in 2008, Randy Gruenwald decided he wasn’t going to stand by and watch it happen. His professional experience was an excellent fit to revive the business. He worked 15 years as a meat department manager for Nash Finch. Then Randy worked as a banker before he purchased the butcher shop. Karen, Randy’s wife and business partner, worked for the previous meat shop owners and brings exceptional customer service skills and experience to their ownership team. Able to capitalize on their professional...

Keeping a Veteran Warm

Thursday, February 20, 2020

Veteran Delbert Maxfield doesn’t like to be cold, especially with his health issues. But when their furnace went on the blink, cold is exactly what he felt. He and his wife Carol wanted to continue living in their home, but since they only had Social Security income, they were not sure they could afford to replace or repair their old furnace. Hearing of their plight, Dustin from GROW South Dakota informed them of a Veteran’s program that could assist them. “Without this program and the help of Dustin, we would never have known of this grant,” explained Carol. Through...

A Dream of Owning my Own Home

Monday, January 27, 2020

Kaitlain Meyerhofer moved to Sioux Falls in 2017.  Single, with a full-time job, she was living in a one-bedroom apartment, but always dreamed of homeownership.  She wanted a place she could paint the walls;  a place she could make unique to her.  She had assumed with one source of income that purchasing her first home would be difficult. She contacted GROW SD to see if she could receive financial help to purchase a home. With the help of her First Mortgage Lender and GROW SD’s down payment assistance program, she was able to purchase her first home without hassle or...

GROW SD Supports Statewide Homeless Count

Monday, January 27, 2020

For the fourth year, GROW South Dakota will help the South Dakota Housing Development Authority with the statewide homeless count, along with the other Community Action Agencies in the state. The Department of Housing and Urban Development requires states to complete the count in order to determine the level of the challenge of homelessness and to direct resources for addressing it. The count will be conducted on Jan. 28, 2020. GROW SD enlists volunteers from each of the 17 NESDCAP counties to help conduct the count. There are basically two aspects of the count: Sheltered and unsheltered.  Sheltered:...

Cross County Vet Does It All

Tuesday, November 05, 2019

Nicole Nelson has owned and operated the Cross Country Vet Clinic in Clark, SD since 2004. She is well established and has a great reputation in Clark and the surrounding area. Cross Country Vet Clinic does everything from grooming small animals to medical services and surgeries, all the way up to large animal services. Over the past 15 years Nicole and GROW SD have had a great lender and borrower relationship. Nicole has used GROW SD and many of its funding program to help start, maintain, and expand her veterinary clinic. In 2004 she used GROW SD’s Intermediary Relending...

Help and Healing

Wednesday, October 30, 2019

Virginia Maas is no stranger to hard work. As a single parent, she worked an average of seventy hours a week while raising her son. She built her own home and worked hard to keep it in good condition over the years. Virginia took great pride in her work and raising her family.   Then tragedy struck. Virginia was diagnosed with cancer. No longer being able to work, Virginia’s attitude toward life changed. Things she used to take for granted, like being able to fix just about anything when it broke, now became nearly impossible for her. She...

GROW South Dakota Makes an Invaluable Impact on the State

Monday, October 14, 2019

GROW South Dakota changes lives by helping individuals and families achieve their goals of buying homes, starting businesses and maintaining a thriving economy. The organization’s assistance has benefited the state for over 50 years, and it continues to positively impact South Dakota daily.  Three separate nonprofits focusing on housing, community and economic development operate under the umbrella name GROW South Dakota: Northeast South Dakota Community Action Program (NESDCAP, founded 1966), Northeast South Dakota Economic Corporation (NESDEC, 1978) and Grow South Dakota (2007). Since the founding of NESDCAP, GROW SD has invested over $80 million in single and multi-family...

Staying Home

Monday, October 07, 2019

Buying a house for the first time can be intimidating. No one knows that better than Allison Daly of Sioux Falls.  Allison always planned to stay in her hometown but wasn’t sure if she was ready to make the leap to buying a home. Once she felt she was financially stable, Allison turned to GROW South Dakota to make her dream of owning a home a reality. The first time homebuyer education classes that she took from GROW South Dakota helped her understand the homebuying process from start to finish. Allison also qualified for down payment assistance to...

Grant Received to Support Veteran Home Improvement

Wednesday, September 11, 2019

GROW South Dakota has received a grant from the Housing Assistance Council (HAC) to support home improvements for low-income veterans in northeastern South Dakota. The $30,000 grant was made possible through generous support from The Home Depot Foundation and will allow GROW SD to make improvements to six homes. GROW SD has renovated and weatherized more than 9,300 homes in eastern South Dakota over the past four decades. In recent years, it has added a special focus on veteran households, with a goal of helping veterans make their homes safer, healthier, and more energy efficient. Through this program, dozens...

Journey toward Home Ownership

Tuesday, June 04, 2019

  While beginning her journey towards home ownership, Amber Peters was first introduced to GROW South Dakota’s housing loan programs, through her first mortgage lender.  “We did not know about the down payment assistance programs that GROW South Dakota had to offer, until our mortgage loan officer told us.  She was able to initiate the process, in order for us to receive down payment assistance”, said Amber.  Prior to purchasing her home, Amber had worked for several years to get her credit score where it needed to be, in order to secure financing for a home loan.  “Money...

Changing Lives Through Community Action

Friday, May 17, 2019

May is Community Action Month, a time to celebrate and promote the life-changing work performed by Community Action Agencies (CAA) all year round. Lyndon B. Johnson established the Community Action Program in 1964 as part of the federal “War on Poverty.” Each CAA takes a slightly different approach, with varying services, but the overall goal is the same: to empower people and help them achieve self-sufficiency. GROW South Dakota is part of the network of 1000 CAAs around the country that work to fight poverty. GROW SD has a full slate of services aimed at this goal, from...

Celebrating Small Businesses

Wednesday, May 01, 2019

Small businesses have an oversized impact on the economy. According to the Small Business Administration, two out of three new jobs in the private sector from 2000-2017 were created by small firms. May 5–11 is National Small Business Week across America. It’s an excellent time to reflect on the ways hardworking entrepreneurs and small business owners lift up our local economies. South Dakota has a wealth of dedicated and creative small business owners who contribute to the vibrancy and character of our communities, while employing local residents. Locally owned businesses help to define our communities. They improve our...

GROW SD Receives $2M for Down Payment Assistance

Wednesday, April 24, 2019

GROW South Dakota was recently awarded $2 million from the Capital Magnet Fund (CMF) of the U.S. Treasury’s Community Development Financial Institutions Fund (CDFI Fund). GROW SD, a certified CDFI, will use the award for down payment assistance loans to assist low-income home purchasers. The CMF program focuses on affordable housing. GROW SD will use the funds to provide down payment assistance in the form of a deferred second mortgage to eligible borrowers. All of the funds are earmarked for people at or below 80% of the area median income. “We’re excited to receive our second CMF grant,” said...

Spring into Healthier Financial Habits

Tuesday, April 09, 2019

Nearly 80 percent of Americans live paycheck to paycheck. A recent survey found that 44 percent of households wouldn’t have the savings to cover a $400 emergency expense. These statistics illustrate that many people are one hardship away from a financial crisis. An unexpected life challenge like a car breakdown, illness or job loss could be devastating. April happens to be Financial Literacy Month. While it’s advisable to practice good financial habits year round, it’s helpful to have a reminder. And since spring is the season of renewal and rebirth, it’s an appropriate time to cultivate new habits...

GROW South Dakota Receives NeighborWorks America Grants

Tuesday, April 02, 2019

GROW South Dakota, a member of the NeighborWorks network, is receiving $564,000 from the Neighborhood Reinvestment Corporation, dba NeighborWorks America. This grant will support its affordable housing and community development activities. “We’re pleased to receive this funding from NeighborWorks America,” said GROW SD CEO Marcia Erickson. “NeighborWorks funds are critical to the success of the programs and services we provide. We’re able to use these funds to further our mission of building sustainable communities in South Dakota.” The grants will be used to support housing lending as well as organizational operations. In 2018, GROW SD helped nearly 500 people...

The Farmer’s Wife Boutique Thrives Amidst Challenges

Monday, April 01, 2019

Samantha Miller, owner of the Farmer’s Wife Boutique in Aberdeen, recently received the Small Business Administration’s 2019 Woman-Owned Small Business of the Year Award for South Dakota. The SBA presented the Award during the recent Women’s Business Conference in Aberdeen. Samantha started her career in healthcare, but when she was expecting her daughter, she became passionate about being a stay-at-home mother, so she looked at other options. With encouragement from family and friends, she started a women's lifestyle boutique offering clothing, shoes, purses, jewelry, accessories, and unique gifts. She launched The Farmer's Wife Boutique on Facebook in 2014 from...

Business Lending Success Story: True Dakotan Newspaper

Wednesday, March 27, 2019

With the rise of digital and social media, the way people access news and information has changed immensely. One in five local newspapers has closed since 2004, according to research from the University of North Carolina. Some small town newspapers, like True Dakotan, are managing to buck this trend and maintain relevance. Owner Kristi Hine acquired the weekly paper, based in Wessington Springs, several years ago. This acquisition was made possible with the help of GROW South Dakota financing. Since 1975, True Dakotan has served the cities of Lane, Alpena and Wessington Springs. For 40 years, the Wenzel...

Grant Awarded to Address Veterans and Homelessness

Tuesday, February 05, 2019

GROW South Dakota will be able to expand its pilot program to support low-income veterans and veterans at risk of homelessness in South Dakota with various housing-related services thanks to a recent grant. The Bring Them HOMES Veterans Initiative of the National Equity Fund supported the creation of the program with a 2017 grant and added additional funds in early 2019. The contribution was funded by Citi Community Development.   Under the program, GROW SD focuses on two general areas: home improvements for low-income veterans and emergency services grants for low-income veterans and those at risk of homelessness...

What are your needs?

Tuesday, February 05, 2019

Every three years, GROW South Dakota conducts a Needs Assessment Survey to determine what residents see as the most important issues in GROW SD’s service area. The agency uses the findings in its planning for the future.   GROW SD invites area residents to complete the survey, which can be found at: https://www.surveymonkey.com/r/TFFK6CJ. It only takes a few minutes to complete. The organization hopes to receive 500 survey responses this year.   In 2016, GROW SD received more than 375 responses to its needs assessment survey. That survey provided interesting information to inform planning. One question...

GROW SD Builds New Homes in Sisseton

Saturday, January 26, 2019

In many rural communities across the country, housing is a critical need. Since quality housing is a prerequisite for towns to be able to grow and thrive, organizations like GROW South Dakota are stepping in to help solve this problem. GROW SD has been working since the early 1990s to develop housing opportunities throughout the state. The organization recently built three spec houses in Sisseton that are available for sale. Area employers have expressed that they are having a hard time filling jobs, due to lack of housing options for workers. According to GROW SD Chief Operating...

Loan Supports Young Entrepreneur’s Daycare Dreams in Philip

Wednesday, January 16, 2019

A young entrepreneur is pursuing her dream of owning her own daycare business, thanks to the help of a loan from GROW South Dakota. Hallie Konst was born and raised in Philip, South Dakota. She has always loved children and caring for people. She considered pursuing a teaching degree but opted to study business management because she thought it would translate to a higher paying job after graduation. In the end, she figured out a way to combine her passion with her schooling by purchasing an existing Philip daycare in 2017 and opening Konst Kids Daycare. The daycare...

GROW SD Awarded Housing Funds

Thursday, January 10, 2019

Funds In late 2018, GROW South Dakota was awarded just over $370,000 from the South Dakota Housing Opportunity Fund (HOF) to support two affordable housing programs that will support South Dakotans with low and moderate income. GROW SD received grants for its down payment assistance program for persons earning 115% or below of the area median income. Recipients will typically receive a $5,000 zero-percent interest deferred loan, which is not due to be paid until the first mortgage on the home is paid off. One grant provides $165,000 for down payment loans in rural areas of the state, and...

GROW SD Receives State Farm® Grant to Prepare Homebuyers

Wednesday, April 24, 2019

GROW South Dakota recently received a Good Neighbor Citizenship Grant from State Farm for its Preparing Homebuyers project. The project provides tools and coaching for prospective homebuyers in evaluating their readiness to purchase a home, preparing to apply for a mortgage, and building their understanding of all aspects of owning a home. The grant will fund the creation of a Homebuyers Toolkit containing information on basic steps in preparing for homeownership. The project also includes coaching of prospective homebuyers by GROW South Dakota staff to make a successful application for a home mortgage. About State Farm®: The mission...