Mortgage Loans

Whether you are purchasing your first home or your sixth, our team of mortgage experts will guide and support you through the process. We can also assist in refinancing your current home, whether you are looking to get cash out or lower your current rate. After reviewing your application, we will determine which loan program works best for you. We offer conventional, USDA Rural Development, FHA and VA loans. 

Some things you will need when applying for a mortgage are:

For the last 2 years:

  • Addresses of residence

  • Employer’s name/address/phone #’s

  • Income source & amounts

  • Last 2 years of federal tax returns (include all schedules W-2’s, 1099’s, K-1’s)

If you are self-employed:

  • Last 2 years of personal federal tax returns (include all schedules, W-2’s, 1099’s, K-1’s)

  • Last 2 years of corporate and/or partnership tax returns (include all schedules and K-1’s)

Information of assets/liabilities:

  • Three most recent paystubs

  • Last 2 months of bank statements on ALL accounts (EXCEPT Fisher National Bank accounts)

  • Most recent mortgage statement - refinance only

  • Market value of real estate owned

  • IRA, 401K and pension plan statements

  • Account numbers and payment amounts on ALL loans

  • Account numbers, minimum payment amounts and balances on ALL credit cards

  • Child support amount - payments/income

  • Copy of Divorce Decree or any other court recorded Child Support agreements

  • Bankruptcy discharge papers and list of creditors

Our Mortgage Experts

Damian C. Spencer
Senior Vice President
Champaign Location
NMLS ID 519743


Jason B. Enos
Retail Loan Officer
Mahomet Location
NMLS ID 1549966


Angela M. Seidelman
Vice President of Lending
Fisher Location
NMLS ID 763802


Ryan E. Heiser
Senior Vice President
Mahomet Location
NMLS ID 763803