Many people find that mortgage payments at these rates are lower than rental payments. And you have the home ownership benefits of appreciation and tax-deductible interest expense.

Home Construction Loans

Our Ranchester and Sheridan mortgage lenders will loan you the money to build the home of your dreams and then assist you with the long term mortgage on your finished home.

Mortgage Refinancing

With mortgage rates at record lows, you can reduce your monthly payments by refinancing your Sheridan or Ranchester home to lower rates. Or consider going to a 15-year mortgage with slightly higher payments and pay your house off prior to retirement.

Bridge Loans

Wanting to buy before you have your current home sold? Our mortgage lenders in Sheridan and Ranchester can design a bridge loan for you that gets you into your new home while you are selling your current home.

Home Equity Loans

You may wish to borrow against the equity in your home to fund home improvements, college education, medical expenses, that dream vacation. Whatever the use, our Ranchester and Sheridan mortgage lender specialists can help you determine how much you can afford to borrow and create a revolving or non revolving Home Equity Line that gets you the money you need.


Get preapproved before you start looking so you know how much you can afford. Preapproval gives you the edge when negotiating price because the seller knows you can close quickly and for the agreed price. Preapproval also gives you time to clear any unresolved credit issues while looking at houses and saves you the embarrassment of being turned down and not getting the home you wanted.

Low Down Payment Loans

Regardless of what you hear, there are still low down payment mortgage loans available. You don’t have to have 20% down to buy a home. FHA, VA and Rural Development loans are getting buyers into homes with as little as 3% down.

Approved Credit

The terms and conditions of the loans discussed above are dependent on your financial status and credit history. Credit decisions are made quickly by local mortgage lenders in Sheridan and Ranchester who will discuss any issues with you directly and assist you to the extent possible in getting you into your new home.

Meet our Lending Team

Rick Bertram
Rick BertramPresident/Chief Credit Officer
Kerrie Bohler
Kerrie BohlerVice President - Sheridan Branch Manager
Phil Hastings
Phil HastingsLoan Officer