Why one in three homebuyers are using AI and what that means for you
Thinking about buying a home? You're not alone, and you're definitely not the only one bringing artificial intelligence into the process.
A recent report shows that nearly 40% of homebuyers in Q2 2025 used AI tools like ChatGPT or Google Gemini to assist with their search. From comparing mortgage rates to evaluating lenders, today's buyers are embracing technology to make smarter, faster decisions. And by 2030, it's projected that 90% of real estate firms will use AI tools in some form.
So what does this mean for you as a homebuyer in Sioux Falls? Let's break it down.
How AI Is Helping Buyers Today
Here are just a few ways people are using AI right now in their homebuying journey.
Researching Homes and Neighborhoods
You can ask AI tools things like:
What are the best school districts in Sioux Falls?
Compare homes in Lincoln County with similar square footage under $450,000.
What neighborhoods are best for dog owners or growing families?
It's like having a research assistant working around the clock that gives you quick, customized insights.
Comparing Mortgage Rates
Many buyers are using AI to understand how rates differ between lenders and what factors impact their personal quote. Some even input their income, debt, and credit to simulate different scenarios and payment plans.
But remember: AI can guide, but it doesn't replace working with a trusted local lender who understands your full picture and has access to loan programs that national engines can't always show.
Understanding Loan Types and Terms
Instead of searching for hours, you can just ask: what's the difference between a conventional loan and an FHA loan, or is a VA loan a better option for me?
AI simplifies complex mortgage terms into plain English, helping you feel more confident and informed.
Why Fairway Heartland Embraces Smart Tech with a Human Touch
At Fairway Heartland, we love that buyers are becoming more informed. We welcome your AI-powered questions, and we're ready to guide you the rest of the way with personalized advice.
Think of us as your co-pilot. Where AI helps you explore options, we help you execute with confidence. You get real loan officers who serve Sioux Falls, Harrisburg, Tea, and Brandon and who:
Understand your local market
Know which programs give you the most buying power
Can structure your loan to match your short- and long-term goals
Help you close faster and with fewer headaches
The Bottom Line: Use AI, But Don't Go It Alone
AI is an incredible tool. It can save you time, answer questions, and help you feel empowered.
But it can't:
Navigate unexpected financial hiccups
Negotiate closing timelines
Understand your unique life stage or dreams
That's where we come in. Whether you're just starting your search or ready to get pre-approved, Fairway Heartland is here to serve, with tech when you want it, and real support when you need it.
Talk to a Fairway Heartland loan officer, Troy Lage, NMLS #400287, at fairwayheartland.com/contact