Spencer, Iowa's Farmers Trust and Savings Bank welcomes Kristy Mills, a dedicated mortgage expert, to its lending team. Kristy expertly navigates clients through the complexities of home financing, offering clear guidance and personalized solutions. Serving the Spencer, IA community, Kristy is committed to providing efficient and effective mortgage services. Connect with Kristy during standard business hours, 9 AM to 5 PM, to explore your mortgage options and achieve your homeownership goals.