I have been doing mortgages for over 19 years. It is important to me, as a loan officer, to know the intricate guidelines about the products offered. Knowledge is power and by knowing as much as possible on loan products I can help my clients get the best product options to fit their needs. I love the makes sense approach that UB&T has when it comes to approving mortgages. You will only find this at a community bank. We serve all of Wisconsin and have the ability to do mortgages in any state. We have FHA, VA, Rural Development, conventional and construction loans. We offer down payment assistance to lower income clients.