I am a true YOOPER and currently live in the Upper Peninsula of Michigan. I have been living in the UP since I was in 6th grade and am happy to call this beautiful part of the country my home. I am in the process of moving to the Green Bay area and servicing the UP and Green Bay/Appleton area. I have two wonderful children, Brianna (25) and Zachary (21), and I also have two amazing “fur” babies … Belmo and Nala.
I started my banking career in 1984 with MFC First National Bank as a switchboard operator. I have been involved in the banking industry for 37 years with the majority of that time in the Lending Division. I have experience in all areas of mortgage lending from mortgage assistant, mortgage processor, underwriter and Loan Originator. I worked several years for Wells Fargo as a Mortgage Lender, Reverse Mortgage Lender and a lender for Wells Fargo Financial, a division of Wells Fargo specializing in sub par lending.
I absolutely love this job and have made experienced many years of ups and downs that the mortgage industry produces. I truly love helping borrowers buy their first home or refinance their current mortgage. My customers are my number one priority and I always give 100% to help them achieve their dreams of becoming homeowners.
My customers are my number one priority and I always give 100% to help them achieve their dreams of becoming homeowners.
Kris was always quick to reply, helpful, and friendly. She explained every step to us and it was so quick. 💯 recommend
Kris walked me through every step of the way – even accommodating me during non-traditional business hours! She did an amazing job at making my first home buying experience smooth and painless.
I would never hesitate to take ALL of my financing needs to Kris! A refreshing approach to what is (normally) a stressful process. Your future mortgage is in the BEST hands.
Kris!! She was so encouraging, professional and available when I needed her! I would not want to work with anyone else for my financial needs.
Very informative, thorough, communicative, and friendly. I would highly recommend Kris to anyone looking for a lender.
My excellent mortgage lady! Fantastic professionalism and great dedication. Really cares about her clients!
Mortgage Programs Explained
There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.
A Conventional loan is a mortgage not guaranteed by the government. However, most conventional loans will follow the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FHLMC). This type of loan is good for borrowers with a favorable credit score and allows more flexibility in loan terms and higher loan limits.
Unlike FHA, VA or RD loans, conventional loans do not require private mortgage insurance (PMI) unless the borrower has less than 20% down. 20% down however, is not a requirement and some conventional loans allow as little as 3% down! Once the loan reaches 20% equity, PMI can be canceled.
In addition to standard conventional loan programs, MiMutual Mortgage also offers the following niche conventional loan programs:
- Fannie Mae HomeReady
- Freddie Mac Home Possible
- Freddie Mac HomeOne
- Freddie Mac Refi Possible
Government loans are backed by the federal government. The loan is funded or originated by the mortgage company, but has a guarantee from either the Federal Housing Administration (FHA), USDA Rural Development (RD), or US Dept of Veterans Affairs (VA).
Government loans open the door for borrowers that have little to no money saved for a down payment, a challenging credit history or have lower credit scores. Government loans offer easier qualifying requirements and are widely used in the industry.
Government-insured loans can be used for purchase, renovation (through the FHA 203(k) loan), or refinance transactions.
Government loan programs include:
- Federal Housing Administration (FHA)
- USDA Rural Development (RD)
- Veterans Affairs (VA)
The Federal Housing Finance Agency (FHFA) sets a limit on the dollar amount a conventional loan must conform to. Any loans beyond this limit are known as a Jumbo loan. With a Jumbo Loan from MiMutual, you can expand your options and find your dream home that will meet your needs now and in the future.
MiMutual Mortgage offers a number of Jumbo Mortgage Programs to fit a variety of situations. These include Purchase loans, Asset-Qualifier, Rate and Term and Cash-Out Refinance loans.
- As little as 10% down
- Loan amounts up to $4 Million
- Primary residence, second homes, and investment properties are eligible
Don’t have much saved for a down payment?
We can help with that!
Down Payment Assistance (DPA) can:
- Reduce out of packet cash to close
- Put cash savings to work by improving the home and growing equity
- Free up cash to pay down student loan debt or other bills
- Save cash to start investing for the future
MiMutual Mortgage offers a number of down payment assistance programs including:
- Chenoa Fund DPA for FHA financing
- The National DPA for Conventional financing
- State Housing Finance Authority DPA and MCC
MiMutual Mortgage is a Renovation Loan specialist. We were even featured on the Lifetime Network “Designing Spaces” home design television show! With a Renovation loan, you can bundle the cost of purchasing or refinancing with the cost of renovation into one single loan!
MiMutual Mortgage offers the FHA 203k and Conventional HomeStyle renovation loans. These allow for the same qualifying factors as a traditional FHA or Conventional loan with the ability to lend up to the estimated after-improved value of the home!
Eligible renovations include:
- Small repairs with a minimum renovation cost of $5,000
- Kitchen remodels including appliances
- New roof
- New flooring
- Installation of an in-ground pool
Still not finding what you are looking for?
MiMutual Mortgage has a number of unique loan programs including:
- Qualifying on assets without income
- Real Estate Investor programs including DSCR
- Self-Employed financing options
- Bank statement qualifying
You are about to begin the mortgage loan application
- Applying on the MiMutual Mortgage Online Loan Application is quick, easy, and secure! The loan application will take about 25 minutes to complete.
- Once your application is submitted, you can log back into the MiMutual Mortgage Online Loan Application to securely upload requested documents, view your loan status, and communicate with your mortgage team.
- If you have questions, reach out to your MiMutual Mortgage Loan Officer.
Your guided mortgage journey starts here!Start Application