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Man sitting next to woman who is shaking hands with a mortgage lender in an office; Meet Honor Credit Union's mortgage lending team

Meet Our Mortgage Team

One of the many great benefits of working with Honor to buy a house is our lenders are local across all of our markets in Southwest Michigan and in the Upper Peninsula. Honor offers a full line of home loan products and we have a local lender to help you understand them all and guide you through the buying process.

Upper Peninsula Area - Marquette, Negaunee, Gwinn

Adam Carpenter

Photo of Honor Credit Union Mortgage Lending Team's Adam Carpenter, who serves Marquette, Negaunee, and Gwinn, Michigan

Main Office: Negaunee Branch
Email: acarpenter@honorcu.com
Learn More: Get to know Adam

 

Lakeshore Area - St. Joseph, Stevensville, Benton Harbor, South Haven

Dustin Jankoviak

Honor Credit Union Mortgage Lending Team's Matt Nordberg, who serves the Stevensville and Berrien Springs areas

Lending Area: Stevensville, Berrien Springs
Main Office: Berrien Springs Branch
Email: djankoviak@honorcu.com
Learn More: Get to know Dustin

Stephanie Martinek

Honor Credit Union Mortgage Team's Stephanie Martinek, who serves the South Haven and Coloma areas

Lending Area: Benton Harbor, Coloma, South Haven
Main Office: South Haven Branch
Email: smartinek@honorcu.com
Learn More: Get to know Stephanie

Matt Nordberg

Honor Credit Union Mortgage Team's Matt Nortdberg, who serves the St. Joseph, Michigan area

Lending Area: St. Joseph
Main Office: St. Joseph Branch
Email: mnordberg@honorcu.com
Learn More: Get to know Matt

Battle Creek Area - Battle Creek, Coldwater

Stacey Donner

Honor Credit Union Mortgage Team's Stacey Donner, who serves the Coldwater, Michigan area.

Lending Area: Branch County
Main Office: Coldwater Branch
Email: sdonner@honorcu.com
Learn More: Get to know Stacey

Mary Ann Evans

Honor Credit Union Mortgage Team's Mary Ann Evans, who serves most of the Battle Creek area.

Lending Area: Helmer Road, Cliff Street, Urbandale areas of Battle Creek
Main Office: Battle Creek Urbandale Branch
Email: mevans@honorcu.com
Learn More: Get to know Mary Ann

Southwest Area - Berrien Springs, Niles, Dowagiac

Chad Jankoviak

Honor Credit Union Mortgage Team's Chad Jankoviak, who serves the Niles and Dowagiac areas

Lending Area: Niles, Dowagiac, Stevensville, Berrien Springs
Main Office: Niles Branch
Email: cjankoviak@honorcu.com
Learn More: Get to know Chad

Dustin Jankoviak

Honor Credit Union Mortgage Lending Team's Matt Nordberg, who serves the Stevensville and Berrien Springs areas

Lending Area: Stevensville, Berrien Springs, Niles, Dowagiac
Main Office: Berrien Springs Branch
Email: djankoviak@honorcu.com
Learn More: Get to know Dustin

Kalamazoo Area - Kalamazoo, Portage, Paw Paw, Decatur

Terri Loud

Honor Credit Union Mortgage Team's Terri Loud, who serves the Kalamazoo, Portage, Richland, and Gull Lake areas.

Lending Area: Portage, Richland/ Gull Lake, Kalamazoo
Main Office: Portage Branch
Email: tloud@honorcu.com
Learn More: Get to know Terri

Nita Snyder

Honor Credit Union Mortgage Team's Nita Snyder, who serves the Kalamazoo, Michigan area

Lending Area: Kalamazoo, Plainwell, Allegan
Main Office: Kalamazoo - Oshtemo Branch
Email: nsnyder@honorcu.com
Learn More: Get to know Nita

Greg Toliver

Honor Credit Union Mortgage Team's Greg Toliver, who serves the Paw Paw and Decatur areas.

Lending Area: Mattawan, Paw Paw, Decatur
Main Office: Paw Paw Branch
Email: gtoliver@honorcu.com
Learn More: Get to know Greg

Other Areas - Non-Branch Communities, Online

Lisa Brinks

Honor Credit Union Mortgage Lending Team's Tessa Harris

Lending Area: Grand Rapids, West Michigan
Email: lbrinks@honorcu.com
Learn More: Get to know Lisa

 

Tessa Harris

Honor Credit Union Mortgage Lending Team's Tessa Harris

Lending Area: Non-branch communities
Main Office: Operations Center
Email: tharris@honorcu.com
Learn More: Get to know Tessa

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Frequently Asked Questions

We know you might have questions about the home buying process, and our mortgage lending team is here to help you every step of the way. Some questions are more easily answered than others, so we have answered some common questions below. 

How Do I Get Pre-Approved For A Mortgage?

Getting pre-approved is easy! You can simply apply online. Click here to start!

You can also contact a local Honor lender to set up an appointment. One of the advantages of working with Honor Credit Union for your home loan is the comfort you will feel knowing you can contact your lender directly or stop by his or her office anytime you have questions. Another advantage is that our lenders live in the markets they serve, and all decisions are made locally.

What Should I Bring To My Mortgage Appointment?

Once your offer to purchase a home has been accepted and signed, you are ready to meet with your lender to turn your pre-approval into a loan application. Please download the document below for a checklist of items that must be provided to your lender in order for them to lock in your interest rate and process your application in a timely manner.

Mortgage Checklist
An Honor Credit Union mortgage checklist to help guide you through the home buying process.

 

Can I Apply For A Mortgage Before I Find A Property to Purchase?

Yes! In fact, applying for a home mortgage loan is the FIRST thing you should do before you begin your search for the perfect home.

Click here to apply online!

During this process, your lender will provide guidance on the best loan option to fit your situation along with an approved loan amount. Your lender will also give you a pre-approval letter, which signifies that you are a qualified buyer. You can share this letter with your realtor to include with your offer to purchase a home.

Not only will your pre-approval letter add more weight to any offers you submit, but it will also guide your home search.

How Are Mortgage Interest Rates Determined?

Mortgage interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy.

Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

 

Need Help?

Honor Credit Union's mortgage lending team is here to take the stress out of the home-buying process. One benefit of working with our lenders is that they live in the markets they serve, and all decisions are made locally. If you have questions, they have answers. Contact one of our local lenders today. We want to hear your story!

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We do business in accordance with the Fair Housing Law.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.442.2800 for assistance. All products and services available on this website are available at all Honor Credit Union full-service locations.