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With You Through Every Chapter!

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With You Through Every Chapter!

Meet Our Mortgage Officers

Whether you’re gathering information, crunching the numbers, or preparing to fill out your application, we have the tools and resources you need. Allow our experienced and dependable Mortgage team to walk you through the process of purchasing, refinancing, or building your new home!

Danny Anders

Danny Anders


After many years of being in various types of lending, my main reason for working is making peoples dream of home ownership come true. In today’s challenging market, it is my goal to provide lending options in an understandable way. Only then can a member make an educated decision on the path that is best for them. So, whether you are buying a home, investing in a home, or refinancing, I can help guide you through the different scenarios.”

Work with Danny


[email protected]

Visit his website

NMLS# 83715

 Jennifer Spicer

Jennifer Spicer


With more than 20 years experience in real estate; Jennifer is an expert on seeing things that other industry professionals may overlook. She is passionate about finding creative financing solutions for her members no matter how complex.

Work with Jennifer


 [email protected]

Visit her website

NMLS# 1937723

Staff NMLS#

CU NMLS #403283

Selection of Loans Include:

We offer competitive rates, free pre-qualification approvals, and face-to-face, local service to save you time and money. Our real estate team has earned a reputation of being efficient and trustworthy.

Today's Featured Rates

Personalized Quote



Conventional loans are those that are not associated with government programs, such as the Federal Housing Administration (FHA), but they offer great rates and friendly terms.  More substantial down payments and solid credit are required.  In some cases, you’ll need private mortgage insurance, which adds to the overall payments.  However, the insurance can eventually be removed as you reach an 80% loan-to-value.


Fixed-Rate Mortgages

When rates are low, lock them in with a fixed-rate mortgage.  Your payments stay the same for the loan’s entire term.  This is a popular choice because of its predictability and consistency.


Adjustable-Rate Mortgages (ARM)

ARMs have a fixed period of time during which the initial interest rate remains constant, after which, the interest rate adjusts at a pre-arranged frequency.  After the initial term, the loan resets, meaning there is a new interest rate based on current market rates.

  • Lower Initial Interest Rates
  • Adjustable Term Options Available

Cabin Loans

We offer competitive financing for the purchase of cabins, vacation homes, and investment properties.


Home Equity Line of Credit

Offers great low rates and allows you to borrow what you need, when you need it, similar to a credit card.  Variable interest rate that adjusts with Prime Rate.  Ideal for home renovations, education expenses, supporting family, and emergency expenses.


Home Equity Loan

Receive funds in a lump sum with a fixed rate, and fixed monthly payments, utilizing the equity in your home.  This loan is ideal for home renovations, car purchases, debt consolidation, or any other one-time purchase.

Government Loan Programs

There are several government-backed loan programs for borrowers.  Talk to a mortgage officer to see if one of these is right for you.



The Federal Housing Administration (FHA) offers a smaller down payment option of only 3.5% along with higher allowances for other debt and credit scores as low as 620. Fun Fact: Over 80% of FHA loans are first-time buyers.


97% Conforming

For first-time homebuyers with a Loan to Value (LTV) greater than 95%, these loan products, from both Fannie Mae & Freddie Mac may be the perfect solution. There are fixed and ARM terms available, as well as refinance opportunities.


USDA/Rural Development

For qualifying homes in rural areas, with borrowers under the low to moderate income limits that need 100% financing, this may be a great product to become a homeowner.



Another recommended option for borrowers that may have limited cash for a down payment, but have a higher credit score and fall under income limits, are HomeReady loans. Borrowers will notice competitive pricing and can be first-time or repeat homebuyers.



For those active service members, Veterans, and eligible surviving spouses who want to become homeowners and utilize up to 100% financing, a VA loan may be an ideal option. The US Department of Veteran Affairs provides a home loan guarantee benefit and other housing-related programs to help borrowers buy, build, or retain a home.

Yep, you’ll need paperwork.

Don’t worry, view our checklist to see what’s needed.

Get a customized quote based on your loan details.

Contact a Mortgage Officer.

Start the pre-approval process online.

Property Insurance

The insurance professionals at TruStage® are ready to help you protect your biggest investimate.

Home Equity

Make home improvements or eliminate payments on your credit card.


 Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!