I am a South Dakota born and raised small town girl. I have always had a passion for helping others to achieve their dreams. I have many established years within the banking industry and am ready to put my skills and knowledge to work for you! There are so many factors to consider when purchasing or refinancing a home and it often can be a very overwhelming process. My job is to make the process stress free and efficient. I will guide you into the perfect loan program for your fiannicnal needs and goals. Contact me today! Nikki Karna Licensed in South Dakota NMLS#1974292