Larry Heydon

NMLS ID#427814

Loan Officer

(C): 216-440-7000

(F): 877-590-8854


Tara Fields

NMLS ID#1280961

Mortgage Loan Officer

(C): 440-821-6580

(O): 440-857-3877


Jason L Wagner

NMLS #1797169

Community Development

Market Manager NEO

O: (216) 883-2386

F: (216) 581-0863

C: (216) 581-0881


Lisa Behm

NMLS ID#564084

Area Sales Manager, Loan Originator 

(C): 216-832-4448

(F): 440-359-8605


Steven McMahon

NMLS ID#508288

Mortgage Banking-Centralized Sales

(O): 412-385-4769

(C): 412-848-2119


DaQuri Mays

NMLS ID#1212326

Mortgage Loan Officer

(C): 216-333-6664

(F): 888-987-8581


Asdrid Ortega

NMLS ID#2125747

Mortgage Loan Officer

(C): 440-525-4476

(F): 833-725-0706

To find the best mortgage, you need to compare multiple lenders. Consider different options like your bank, credit union, and recommendations from trusted professionals. Ask about rates, loan terms, down payment requirements, mortgage insurance, and closing cost and fees of all kinds, and compare these details on every offer.

Reach out to multiple lenders to see how much you could save. It pays to compare your options.  

Attend one of our Pre-Approval Clinics to meet many of our trusted lender partners all in one location! Visit our Pre-Approval Clinic Page to learn more! 

Whether you are buying, refinancing, or looking for a secondary loan, we encouraged everyone to choose the mortgage lender who is most suitable for their wants, needs, and specific situation.  We have included the steps to take to find the best lender to for you. 

Step 1: Know Your Credit and Debt 

Long before you start looking for a mortgage lender and applying for a loan, you will need a fiscal checkup. This includes taking a look at your credit and debt.  You will need to pull your credit reports and scores.  Some tips to improve your credit include paying bills on time, every time; keeping credit card and revolving loan balances to 30% or less of available credit; and only applying for credit when it is necessary. 

In addition to good credit, lenders need to see that you can handle your existing debt along with a new mortgage payment by evaluating your debt-to-income (DTI) ratio. The DTI is calculated by adding up all your monthly credit card, student loan, and other loan payments and dividing it by your gross monthly income to get a percentage. 

As an example, if your monthly debt payments equals $750 and the proposed mortgage payment is $1,250 = $2,000 in debt payments divided by total gross income of $5,000 = 40% DTI.  

We partner with El Centro, a HUD-approved housing and financial counseling agency, to provide a variety of free workshops and counseling services that span the lifecycle of homeownership, from saving-up to down-sizing.  You can learn more on our Homeowner Resource Center page. 

Step 2: Determine Your Budget

An important part of finding the right mortgage is knowing how much house you can afford.  Lenders preapprove you based on your credit and DTI, which is only based on your gross income, outstanding loans, and revolving debt. It is important to understand that they don’t consider other monthly bills, such as utilities, gas, day care, insurance, groceries, or repairs and maintenance.

A lender could qualify you for a loan that would max out your budget and leave no room for unexpected expenses.  To get a more accurate idea of what you can afford, you will need to create a budget using your monthly net income and all expenses.  Do not take out the things you enjoy doing, such as eating out at restaurants, coffee shops, traveling, or golfing.  Having an accurate budget will help you calculate how much you should spend on a mortgage payment.

Step 3: Know Mortgage Options

 Understanding a few key facts about some of the different types of mortgages available, will help you work with a lender to find the best product to meet your needs. Some upfront research can also help you secure the best deal. 

Step 4: Compare Loan Estimates 

It is recommended to compare a minimum of three to four loan estimates to determine which loan best meets your needs. 


The loan estimate details the terms of the loan; the projected monthly mortgage payment, including taxes, insurance and other assessments; an estimate of the cash you will need at the time of closing.   

There is power in information and options!