Kim Highland

Why am I a Mortgage Lender?

Being a mortgage loan officer enables me to make long-lasting relationships with my customers and their friends and families. For a lot of people, buying a home is the biggest investment they will make, and I love that I am helping to improve their financial health and family legacy with this purchase. I pride myself on making the loan experience positive, and I always go the extra mile so that my customers feel confident they have a trusted partner.

My Experience

I have been in the mortgage industry since 2010. I began as an escrow officer and made the transition to originating loans in 2016. My role now presents me with the opportunity to serve the housing needs in my community, and it gives me enormous pride to watch as it thrives and grows.

Interesting to Know

I was born and raised in Yankton, South Dakota. I moved away for 3 years and lived in Bentonville, Arkansas. I have always loved Yankton and I am happy to have been able to move back to raise my kids and support this community. When I am not originating loans, you can find me in my backyard. I love gardening of all kinds. I have three grown adult kids with one still in college, fast-growing granddaughter and a 12 year old teddy bear mix dog. I always enjoy when the kids are home and spending time with family and friends. 

We'll Guide You Home

Lock & Shop Rate Security

Stay safe from higher rates and lock your rate in for 60 or 90 days.1

Mortgage Options

Down Payment Options as Low as 3-5%.

Competitive Rates

Competitive mortgage rates help save you money over the life of your loan.

Dedicated Loan Officer

Let your dedicated mortgage loan officer answer all of your questions and provide peace of mind - start to finish.

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Important Information

1 First National Bank's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15 and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products. Your exact interest rate will depend on the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by First National Bank within 30 calendar days of a 60 day lock or 60 calendar days of a 90 day lock. You will have the option to extend the due date for the purchase agreement and the rate lock expiration one time by 15 days. In addition, you may exercise a float down in the rate to the current market rate within 7 calendar days of executing a purchase contract. Please contact your loan officer to exercise this float down option. Additional fees, conditions or exclusions may apply. This is neither a commitment to lend nor an approval of the loan inquiry. Any change in rate or fees may affect approval of the loan.


The calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.