Ephrata, PA area residents seeking mortgage solutions can connect with Christine Kramer, Loan Officer at First Citizens Community Bank. Christine expertly navigates clients through the complexities of home financing, offering personalized guidance and comprehensive mortgage options. Available during standard business hours (9 AM - 5 PM), Christine is dedicated to helping individuals and families in Ephrata and neighboring communities achieve their homeownership goals. Contact Christine today for expert mortgage advice and a seamless loan experience.