**Mortgage Expert in Bay City, MI**
Cheryl Ratynski is your dedicated Mortgage Loan Officer at Independent Bank, serving Bay City and neighboring communities. Cheryl simplifies the home buying process, expertly guiding clients from application to closing. She offers personalized mortgage solutions and financing options tailored to your unique needs. Available Monday through Friday, 9AM to 5PM. Contact Cheryl to discuss your mortgage goals and secure the best financing for your dream home.