Horizon Bank Loan Officer specializing in diverse mortgage solutions: Conventional, FHA, VA, USDA, Construction (one/two-time close), Lot/Land, and Portfolio loans tailored to your unique financial situation. I streamline the lending process with in-house underwriting and a trusted network of local appraisers. My priority is clear communication, keeping clients and realtors informed at every stage, minimizing delays and ensuring smooth, on-time closings. Experience exceptional service and personalized mortgage guidance.