AMAECHI P. UDOJI

Work Phone: 734-669-7318

Cell Phone: 734-216-6101

Email: audoji@huronvalleyfinancial.com

NMLS#: 131600

What you need to know about Amaechi

Started with HVF in 2002
Expertise in specialty financing programs FHA 203k and Reverse Mortgage loan product
I have a strong command of the multitude of lending products in the mortgage industry, including FHA, VA and Reverse Mortgages
I enjoy providing clients with the information they need to make the best decision that addresses their needs
Will do what I say I will do, sometimes more, just never less

PROFESSIONAL AFFILIATIONS

Ann Arbor Chamber of Commerce
Saline Chamber of Commerce
Ann Arbor Board of Realtors
Washtenaw County Home Builders Association
West Washtenaw Business Association
Youth Basketball
A2 Biz Insights

AFTER WORK

"When I am not at work, I enjoy spending quality time with family and friends, coaching high school basketball, working out, fishing and playing golf."

Education

Michigan State University, B.S. Public Policy & Economics

Professional Experience

Managed Care Consultant Eli Lilly Corp
Benefit Consultant M-Care
PPOM Provider Relations/Group Benefits Representative

Here's What My Clients Say

“Amaechi worked with me as a 1st time homebuyer, he walked me through each step in the process all the way up to and beyond the closing. He was extremely professional, hard-working and personable. I highly recommend him to anyone who is looking for an honest Loan officer.” Sean E. Client

“Amaechi recently help my fiancé and I as our Mortgage Consultant. Buying a home is stressful on its own, but when a mortgage and unanswered question become part of the mix it only creates more stress, this is where Amaechi excels. Amaechi had always made himself available when we needed to speak with him, answered all of our questions and was extremely patient with us. He is professional and I trusted him to advise us on what would be in our best interest. We will always turn to Amaechi, without a doubt, when purchasing or re-financing a home. We thank Amaechi for all of his hard work and dedication, as he helped us get into our first house that we will make a home.” Brittany D. Client

“Amaechi has been a great resource / provider of mortgage services for me and my clients. He is able to take charge proactively of complex financing issues and come up solutions that meet the needs of buyers and sellers as well as investors. He has excellent customer service skills, is personable, and most importantly communicates with all parties regularly regarding the mortgage process. I give his name out regularly to my clients as well as my friends. If you choose to do business with Amaechi you will not be disappointed!” Andy P. Realtor

"I am here to make my clients' mortgage experience a positive one."

BILL ROBERTS

Work Phone: 734-669-6077

Email: broberts@huronvalleyfinancial.com

NMLS#: 131621

What you need to know about Bill

Founding partner of Huron Valley Financial.
Sees the "big picture" of a customer's complete financial situation.
Offers sound advice on mortgage products and how they fit each customer.
Gets a rush out of helping a customer buy a home or secure their financial freedom.
Improves people's lives by giving sound advice.
Firm grasp of loan underwriting and analysis, both of which are essential to good counsel.
Helps customers understand mortgage choices and the market variables that influence them.

Education

Eastern Michigan University. BBA Finance

PROFESSIONAL EXPERIENCE

Senior Credit Analyst, Great Lakes Bancorp
Assistant Vice President of Loan Review, TCF Financial

PROFESSIONAL AFFILIATIONS

Member of Ann Arbor Chamber of Commerce, Saline Area Chamber of Commerce, Ann Arbor Board of Realtors Affiliate, Washtenaw County Home Builders Association.

AFTER WORK

Enjoys spending time with his wife and son. Likes scuba diving, golfing and playing guitar.

"I enjoy fitting clients' mortgage needs into "big picture" thinking that enhances their ability to achieve financial goals in the near and long term."

CATHY DODAK

Work Phone: 734-637-6464

Cell Phone: 734-637-6464

Email: cdodak@huronvalleyfinancial.com

NMLS#: 134826

What you need to know about Cathy

I am very involved in the Village of Manchester, the community I live with my husband and 3 children. I most enjoy volunteering for the school district--- I am a member of the PTO and the Manchester Community Education Foundation.

Education

Business degree from Western Michigan University

Professional Experience

Over 19 years experience in mortgage lending. My experience includes loan processing, underwriting, and for the past 15 years, mortgage originating.

"I enjoy assisting clients in making one of the largest and meaningful purchases of their lives. When a client has chosen me to help them, I take this honor very seriously. I work very hard for each and every client and dedicate myself to providing top notch customer service on each and every loan. This you can count on."

ERIC BRADLEY

Work Phone: 734-669-8000

Email: ebradley@huronvalleyfinancial.com

NMLS#: 131784

What you need to know about Eric

Founding partner of Huron Valley Financial.
Analyzes complex financial problems.
Finds solutions.
Provides easily identifiable, tangible financial savings for clients.
Gets a kick out of helping clients who think they're beyond help.
Area of expertise: investment property finance, debt consolidations, analysis for self employed borrowers.

"I'd like our clients to know that I have two jobs. The first is to earn a client's trust and the second is to keep that client's business. As long as I deliver clear, concise and accurate financial information regarding my financing recommendations, I believe the two jobs will take care of themselves."

Education

Eastern Michigan University. B.A. in Finance

Professional Experience

Senior Mortgage Broker, Tranex Financial, Inc., Ann Arbor, MI
Residential Loan Officer, Great Lakes Bancorp, Ann Arbor, MI
Commercial Credit Analyst, Great Lakes Bancorp, Ann Arbor, MI

PROFESSIONAL AFFILIATIONS

Mortgage Bankers Association, Michigan Mortgage Brokers Association, Washtenaw Homebuilders Association, Ann Arbor Area Board of Realtors

COMMUNITY CONNECTIONS

Ann Arbor Jaycees. Chamber of Commerce. Contribute to or are active in: Big Brothers and Sisters, Ann Arbor Art Center, Neutral Zone, Planned Parenthood, Golf outings (way too many)!

"It's the emotional rewards I receive that keep me committed to this line of work. There's nothing like the feeling that comes from helping someone out of a financial predicament with a loan that consolidates their debts, saves them hundreds of dollars a month and puts them in a home they never thought they could own."

GREG SULLIVAN

Work Phone: 734-827-2939

Email: gsullivan@huronvalleyfinancial.com

NMLS#: 133941

Professional Experience

My 19 years of mortgage origination experience affords me a depth of knowledge and experience which allows me to offer excellent advice and customer service that is the cornerstone of my business.

Education

1986 Graduate of University of Michigan, BBA

JIM O'KUNZE

Work Phone: 734-669-6018

Cell Phone: 734-904-6300

Email: jokunze@huronvalleyfinancial.com

NMLS#: 131598

What you need to know about Jim

Mortgage lending since 1997
"Condo kid" reputation in the office for expertise in condominium financing
New construction specialist
Stress-free financing
Always available, 24-7
Friendly, knowledgeable, experienced
Gateway Mortgage Group
Desktop Originator training
MGIC training
Sales training

Memberships and Service

Saline Area Chamber of Commerce
Washtenaw County Home Builders Association
Vice President of Wellesley Gardens Condominium Association

Education

Eastern Michigan University, B.S., Minor in Marketing

"My mission is to close on time, every time! I really enjoy helping my clients understand the mortgage process."

KAREN HALLWAY

Work Phone: 734-994-0007

Email: khallway@huronvalleyfinancial.com

NMLS#: 133980

What you need to know about Karen

My dedication to exceed your expectations and guarantee your satisfaction has made me what I am today and your trust is what I value most. From start to finish in the loan process, I provide no less than exceptional service, from the first phone call you make to me until I'm sitting with you at the closing table. Over 95% of my new clients are referrals from previous customers! I believe that there is more to home financing than simply securing the lowest interest rate. That’s why I will ask a lot of questions and listen with genuine concern to your answers regarding your overall financial picture. I want to offer you the best option to achieve your financial goals. Funding your loan is just the beginning of my relationship with you. I hope to have you as a lifetime customer, not just a one-time deal. I will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. Let me put my Business Degree, 14 years of experience as a Financial Analyst and 7 years experience as a Residential Mortgage Lender in the Ann Arbor area to work for you. My goal is to be your Trusted Advisor—today, tomorrow, and beyond!

Education

University of Dayton – Dayton, OH ~ MBA program
Kent State University – Geneva, Switzerland ~ International Business Program
University of Colorado – Boulder, Colorado ~ B.S. in Busines

Professional Experience

First Financial Services, Inc. – Senior Mortgage Consultant (7 years)
Department of Defense - Senior Financial Specialist (10 years) at the following locations:
Eglin Air Force Base – Ft. Walton Beach, FL
Wright Patterson Air Force Base – Dayton, OH
Defense Finance and Accounting Service Center – Denver, CO
Air Force Academy Finance Office – Colorado Springs, CO

"Gracious, good-natured and great with a calculator!" This is one of my favorite compliments from a valued client.

KEN BROWN

Work Phone: 734-669-4211

Cell Phone: 734-904-2455

Email: kbrown@huronvalleyfinancial.com

NMLS#: 131602

What you need to know about Ken

It may sound corny, but I want my clients to know that I really care about their needs. I really like helping people achieve their dreams.

Education

Western Michigan University, BS degree, Graduated Cum Laude. Minors in both Business Management and Mathematics.

Professional Experience

Well versed in all aspects of lending
Been with Huron Valley Financial since the beginning

"First, and foremost, I love spending time with family. When I'm not with family, I enjoy skydiving and flying. It really gives me a chance to remove myself from everything."

KIM BLAIR, VICE PRESIDENT

Work Phone: 734-669-6525

Email: kblair@huronvalleyfinancial.com

NMLS#: 131607

What You Need to Know About Kim

World-class listener. Uses what she hears to try and fit a loan with individual needs.

Professional Experience

Banking and residential mortgage professional since 1983
Loan Officer Construction Lending, Great Lakes Bancorp
Loan Officer Residential Lending, Great Lakes Bancorp
With HVF since 1998

"I love what I do and want every single one of my clients to have the most positive experience possible. I work for that moment when first time homebuyers get the keys to their new house. At that moment, people get a certain kind of look on their faces; a mix of joy and disbelief. It's priceless."

MELISSA HANDLOSER

Work Phone: 734-669-4205

Cell Phone: 734-846-5780

Email: mhandloser@huronvalleyfinancial.com

NMLS#: 132199

What you need to know about Melissa

Good listener, caring and compassionate
Over 20 years of experience in various aspects of mortgage lending
Specializes in pairing each client with the right product or program
I am a Lifetime resident of Chelsea, Michigan and enjoy the feeling of “community” that Chelsea offers

Education

Eastern Michigan University, Bachelors Degree in Psychology

Professional Experience

I’ve been a Residential Loan Officer since 1998
I worked as a Mortgage Processor for 3 years prior to becoming a Loan Officer
I’ve also worked in a Mortgage Servicing Department for several years
My professional experience makes me well rounded and knowledgeable
in all aspects of mortgage lending

FHA 35K Rehab Purchase/Refinance Loan Program Purchasing Investment Properties First Time Home Buyers – Guide to Ownership Credit Repair and Debt Management

PAUL HERNDON

Work Phone: 734-994-5290

Email: herndon@huronvalleyfinancial.com

NMLS#: 136215

What you need to know about Paul

Frequent speaker at groups such as the Home Builders Association, Home Remodelers, Housing Bureau for Seniors, civic organizations. President Ann Arbor Western Kiwanis Club, involved in many community projects.

Education

BA Ohio Wesleyan University in Journalism

Professional Experience

Over 20 years of mortgage lending experience. I began helping homeowners and buyers in 1992.

As the saying goes “if you enjoy what you do, it really isn’t working”.

PEGGY WILSON

Work Phone: 734-238-3MTG (684)

Email: peggy@peggyloans.com

NMLS#: 133950

What you need to know about Peggy

Over 30 years of experience in mortgage lending working in all areas – processing, closing and originating loans
Passionate about problem solving and getting the job done
Experienced in all areas of lending: conventional and government loans, reverse mortgages, rehab loans, niche loan programs, owner occupied, investment properties and second homes, self employed borrowers, bruised credit – I do them all

PROFESSIONAL AFFILIATIONS

Long time volunteer for my children’s activities including various hockey teams and the Glassmen and Kiwanis Kavaliers Drum and Bugle Corps. Charter Member of Ann Arbor West Chapter of Business Network International (www.a2bni.com). A2Y Chamber, Former Committee Chair, Ann Arbor Area Board of Realtors

WHY WORK?

One of my life goals is to make a difference in other people’s lives and as it relates to business, I am able to do that through this work. There’s nothing like the thrill of taking someone who has been declined by another lender and putting a loan together for them and helping to make their dream of home ownership come true. What satisfaction there is in working with a borrower through a Home Loan Action Plan to overcome difficulties and get to the closing table; or taking away financial worries for a senior; or improving the cash flow and thereby life quality of homeowners. This is wonderful and meaningful work and I am blessed to be a part of my borrower’s lives.

AFTER WORK

Spending time with my family is on the top of the list. I also love being outside doing just about anything, especially gardening and playing with my dog. I love cooking and getting together over food and wine with friends. I love just about all kinds of music so volunteering for both the University Musical Society and The Ark give me the opportunity to hear a wide variety.

Education

University of Illinois

"I can help you negotiate the sometimes confusing maze of mortgage options to find the best possible purchase or refinance loan to fit your needs. I’ll educate you about the options and be there to answer your questions both before AND after the closing. Then I can help you achieve your overall financial goals and objectives through effective management of your mortgage."

PENNY SCHROEDER

Work Phone: 734-827-2935

Cell Phone: 734-355-9211

Email: pschroeder@huronvalleyfinancial.com

NMLS#: 133952

What you need to know about Penny

23 years Retail Banking experience
11 years Residential Lending experience
Ann Arbor Resident since 1972
Provides easily identifiable, tangible financial savings for clients
Area of expertise; Investment Properties/Cooperatives/Debt Consolidation
Excellent Listener; many clients are surprised about how much information I remember about their individual financial needs

WHY WORK?

"Simply said; I like helping people! I have always enjoyed working with clients in realizing their dream of home ownership. I like being a part of finding the best solutions for even the most complex situations. Gaining my clients trust is the ultimate compliment, life is filled with a continuum of change; I strive to build a relationship with my client that will be long lasting."

Education

Eastern Michigan University 1980

"My knowledge and attention to detail is what will make your lending experience memorable. Every lender has a full menu of products to offer, but will they match the best product to their clients needs? I will actively listen to your goals then tailor a plan that's right for my client. I am not afraid to "THINK OUTSIDE OF THE BOX".

REGINA "GIGI" OLEGARIO

Work Phone: 734-827-2938

Cell Phone: 734-572-2981

Email: rolegario@huronvalleyfinancial.com

NMLS#: 133949

What you need to know about Gigi

Enjoys working with people; great facilitator
To be a client of Gigi is to be her friend; she always got her clients’ best interest in mind.
She also loves to get loan transactions done fast and efficient through excellent communication and attention to detail.

Education

Cum Laude, University of the Philippines, BS Business Economics

Harvard University, Program for Local Government Financing

Professional Experience

Over 10 years in the mortgage business. Expert in Conventional, FHA, Rural Development loans.

"It is a joy being able to help people purchase their first house or their dream house. This is a big financial decision and I am happy to be able to assist my clients in this undertaking. It is also gratifying being able to help people lower their monthly payments or help them shorten the term of their mortgage through refinances."

ROBIN TERESE FAHMIE

Work Phone: 734-669-4279

Cell Phone: 734-395-5653

Email: rfahmie@huronvalleyfinancial.com

NMLS#: 820919

What you need to know about Robin:

Well versed in underwriting guidelines and mortgage products: Conforming/Non-Conforming Conventional FNMA, FHLMC, FHA, VA and RDA loans
Exceptional listening skills
I may not always tell you what you want to hear but I will always tell you what you need to know!

Education:

Washtenaw Community College-Business
National Business Institute: Real Estate Law and Lending
Graduate Real Estate Institute: Income and Investment Properties
National 1031 Tax Institute: Principals of 1031 Exchange

Professional Experience:

Over 18 years of experience within the mortgage industry, I have worked as Vice President, Senior Loan Officer, Underwriter and Loan Closer.
Additionally, I have worked as a Realtor and Title Company Escrow Manager, Special Projects Manager and Bookkeeper
My combined experiences allow me to view the transaction from all angles and thus identify and resolve issues before they become problems.

Professional Affiliations, Charities or Community Involvement:

I am a lifelong resident of Ann Arbor. As a volunteer for many local organizations, I have worked as an Educator for Michigan State Extension Services: First-Time Homebuyers Education program . In addition, I have worked as an Educator for Washtenaw County: Fair Lending and Identifying Predatory Lending Practices . I created an educational program for college bound teens to prepare them to manage their credit and finances. Additionally, I have served as a past Legislative Committee Chairwoman, Education Committee Chairwoman (established and oversaw first scholarship awards) and Social Committee Chairwoman for the Washtenaw Home Builders Association. I have also served as the past Social Committee Chairwoman for the Ann Arbor Board of Realtors. I am committed to giving back to the community.

Why Work:

My dedication to unparalleled customer service extends beyond the closing. From educating you about the lending process, including selecting a mortgage product that best fits your needs, to assisting you with sound advice, including credit repair and financial management. You can count on me to keep you well informed. Helping you make good decisions is my number one priority! I am adept at troubleshooting and problem solving, you can count on me as your advocate; no stone will be left unturned, when common sense warrants loan approval.

After Work:

When I am not working, I enjoy taking my dog to the park and spending time with family and friends. I love to travel and meet new people.

Favorite Quotes I try to Live By:

“Be the change you wish to see in the world.” Mahatma Gandhi

“Don’t be afraid to give up the good to go for the great!” John D. Rockefeller

TERI MARSHALL

Work Phone: 734-669-4295

Cell Phone: 734-395-1003

Email: tmarshall@huronvalleyfinancial.com

NMLS#: 131610

What you need to know about Teri

"Mortgage Industry Expert” on AM760 WJR "Real Estate 411" with Paul & Annette Compo
Over 20 years experience in lending industry, working at all levels prior to joining HVF
Delivers honesty, communication, and service like no other!
Understands all kinds of loans; Fannie, Freddie, FHA, VA, Rural Development, Investment

Education

Northwest Technical College, Applied Business Major, 1985

Professional Experience

Loan Officer and Manager for Flagstar Loan Centers in Ann Arbor, Plymouth and Novi, Michigan
Manager of Internal Operations Interfirst
Manager of Consumer Lending Department at Great Lake Bancorp

"I love to help people make the most informed decision on the biggest purchase of their lives; and then there's the thrill of seeing the look on their faces at a closing!" “I make a point of making sure that my customers have the best information to make an informed decision on what makes the most sense for them. I want to be your loan officer for life! Whether you are buying a home, an investment property or refinancing, I want to take care of you!”

TOM BULLARD

Work Phone: 734-669-4246

Cell Phone: 734-276-8024

Email: tbullard@huronvalleyfinancial.com

NMLS#: 131617

What you need to know about Tom

"I love this business. I have a strong sense of service. It's rewarding to help people and be a source of information and expertise. I respect that people trust in me to hold their best interests at heart. Each individual and the property they are buying are unique and often present a unique challenge. I thrive on that, on solving problems. I enjoy helping people analyze their needs, clarify their goals and choose the lending program that best serves them in both the short and long term."

Provides the level of information and service needed by each individual for them to feel confident and comfortable in their home purchase or refinance.
Proficient in all types of residential lending.
Professionalism, patience, perseverance and attention to detail.

Education

Eastern Michigan University, Magna Cum Laude
BS Business - Marketing & Finance

Professional Experience

Tom has been a Mortgage Consultant since 2002. In that time he has taken advantage of the opportunity to work with different types of mortgage lenders: two large national Mortgage Banks, and a large national Mortgage Broker. "The breadth of my experience was extremely valuable in helping me identify Huron Valley Financial as the best company to work with to enable me to provide the highest level of products and service to my clients."

Over the years Tom has participated with several community groups. He is currently a member and past president of the Ann Arbor Breakfast Optimist Club. With fellow Optimists he has helped with Warm the Children and Salvation Army fundraising. In the past he served as Cub Master with the Cub Scouts, coached youth Soccer and worked with Ozone House, a runaway youth help center.

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