Jaci Hays, AVP, Mortgage Lending Group
About this time every year Americans embark on spring cleaning. That includes clearing away dust bunnies from lamp shades and base boards, determining home improvement projects and perhaps moving into that new home you’ve been eyeing!
Enter Waterford Bank! As your local mortgage lenders, we’re here to provide guidance and support turning the often-complicated journey to becoming a homeowner into a simple and satisfying experience.
Local Edge, Unlimited Possibilities
Homeownership is the dream for many across the Midwest, but not everyone has a team of lending experts right around the corner. Locally based, our underwriting happens close to home with teams that understand our area’s unique neighborhoods and needs – which may result in quicker average turnaround times for our customers.
Waterford gives you access to financial experts in your neighborhood. From mortgage lenders to private bankers we’re here to help you achieve your picture of financial success.
With over 75 years of combined experience, Waterford Bank, N.A.’s Mortgage Group offers an unparalleled level of support and hands-on attention to detail, enabling us to offer a comprehensive, turnkey process for each of our mortgage clients, at attractive rates.
Mortgage Products and Services
Everyone’s situation is unique, that’s why we offer a robust line of mortgage products that are unique to Waterford. Here are a few of our noteworthy services:
- Rate Match Review* – Get the rate you’re looking for, backed up by the expertise of a Waterford Bank, N.A. Mortgage Lender. If you find a lower mortgage rate with a competitor, we will match it.
- Spanning the Gap – We can help qualifying clients by removing the contingency from their offers when they utilize our Mortgage Loan and Home Equity Line of Credit products to span the gap between the purchase of their new home and the sale of their current home.
- Loan Options – Looking to buy outside the city? Don’t have a large down payment amount saved? There are other mortgage options out there that may benefit your unique situation. From traditional loans you’d expect to government backed loans and even our popular Doctor’s Only Loan Program** we offer many options to make your homeownership dreams a reality.
Easily Accessible Mortgage Lenders
When it comes to the application process, there are no call centers here! Enjoy a direct line of communication to your loan officer who will be ready to answer questions via phone, email, or text. Throughout the lending process, you can count on us to provide regular loan updates and progress reports, so you always know the status of your loan.
Better yet, we also have several convenient locations around the Northwest Ohio and Southeast Michigan marketplaces, so if you need some hands on help you can stop by and deal with a lender directly.
We are nationally associated and licensed in all 50 states, so we’re prepared to help you no matter what state you want to call home.
Want to meet our team? You can connect with any of our lenders or begin your application process from our online Mortgage Center right now!
We’re eager to help increase your chances of purchasing the home you want or complete that refinance you’re looking for. With our comprehensive loan products and an easy, online mortgage loan process, we’re helping customers get through the mortgage process and into closing faster than large national companies – so give us a call and let’s start on your path home today!
*Certain restrictions will apply. All loans subject to application and credit approval, satisfactory appraisal and title insurance. Terms and conditions subject to change; other terms, conditions, and restrictions may apply. Bank NMLS# 520256.
**Available to medical doctors who have a minimum of a M.D., D.O., D.M.D., or D.D.S. degree and an employment contract.
About the Author
Jaci Hays is an Assistant Vice President of Mortgage Lending at Waterford Bank, N.A. in Toledo, Ohio. She has been helping clients obtain mortgage loans for over 30 years and specializes in great customer service, clear communications and brings a wealth of knowledge to the table for her customers. If you’d like to connect to discuss mortgage services or another aspect of your banking needs please contact us here.