It's More Than a House!

Scott Engmann

Join us in building dreams. Because every family, every person, deserves a place to call home. Hosted on Acast. See acast.com/privacy for more information.

  1. Oct 12

    Building Opportunity in the Age of AI with Todd Gagne

    Technology is changing how we work, build businesses and think about the future, but what could that change mean for communities like the Black Hills? In this episode of It’s More Than a House, host Scott Engmann sits down with Todd Gagne, co-founder of Wildfire Labs, to explore entrepreneurship, artificial intelligence and the opportunities emerging across South Dakota. Drawing from three decades in software and startups, Gagne shares lessons on building successful companies, developing strong leaders and creating a culture where failure can become an opportunity to learn. He also explains how Wildfire Labs is helping entrepreneurs turn ideas into viable businesses while working to create technology jobs and keep talented people in the region. The conversation also tackles the uncertainty surrounding AI, from its potential impact on jobs to concerns about where the technology could ultimately lead. While acknowledging those risks, Gagne offers an optimistic perspective on how AI can eliminate repetitive work, help businesses grow more efficiently and allow people to focus on the work where human connection matters most. Ultimately, the conversation comes back to something bigger than technology: people. Coachability, empathy, community, balance and a willingness to take risks may prove just as important to the future of the Black Hills as the technology itself. Season 2 of It’s More Than a House explores abundance - the community, opportunity, generosity and purpose already around us — and how those resources can help build stronger lives and stronger communities. Hosted on Acast. See acast.com/privacy for more information.

  2. 12/14/2025

    Understanding the Modern Mortgage: A Deep Dive with Brady MacIver

    In this episode, host Scott Engman sits down with Brady MacIver, mortgage loan originator and co-owner of Heritage Home Lending, to unpack the realities of homeownership in western South Dakota. Brady shares his path from Augustana University football standout to mortgage broker and Habitat for Humanity volunteer, and how his passion for people, numbers, and problem-solving shaped his career. Together, Scott and Brady explore the forces shaping today’s housing market — rising home prices, increased debt loads, interest rate challenges, and the limited inventory created by homeowners locked into low rates. Brady breaks down debt-to-income ratios, the sharp rise in average loan sizes, and why affordability has tightened for both first-time buyers and families hoping to move up. He also outlines practical strategies for buyers, including down payment assistance programs, equity planning, and creative paths like house hacking or purchasing duplexes. Listeners get an inside look at the unique dynamics of the Black Hills market, from aging housing stock and land development hurdles to out-of-state migration driving demand. Brady also highlights the importance of early financial planning, building credit, and the value of sitting down with a lender long before you’re ready to purchase. Ultimately, this conversation reminds us that buying a house is far more than a transaction — it’s a journey toward stability, community, and long-term wealth. And with the right guidance, even complex financial paths can lead to a place to truly call home. Hosted on Acast. See acast.com/privacy for more information.

Ratings & Reviews

5
out of 5
2 Ratings

About

Join us in building dreams. Because every family, every person, deserves a place to call home. Hosted on Acast. See acast.com/privacy for more information.