NEW HOMEIt has been a pleasure working with DeAnne. She has made purchasing our new home so easy and stress free.- Gary & Heidi W.
REFINANCEI had a wonderful experience with DeAnne Hawley on my home loan refinancing at Southern Michigan Bank and Trust. I saved lots of money and shortened my home loan. Thank you so much for your help!- Amy D.
HOME CONSTRUCTIONIt was great working with DeAnne through the building process! We had shopped around at different banks but DeAnne's knowledge and ease to work with made our decision easy. I would NOT hesitate a bit to send people her way.- David M.
I can honestly say, DeAnne Hawley made our home building experience a truly rewarding and positive experience. She always explained each and every option that was available to us and we never felt pressured into any decision. Our phone calls and emails were always handled in a professional and timely manner. All in all I really couldn't imagine our home building process being any better. Even now that the house is built, I would still feel 100% comfortable calling DeAnne with any questions. Her extended knowledge and expertise was beyond incredible. If we ever need another loan, I look forward to contacting her for it. Thank you for everything, DeAnne!- Amanda M.
NEW HOMEShari was wonderful to work with and was of great help to us.- Dwayne & Barbara S.
REFINANCEShari is always so wonderful to work with. She is professional and extremely helpful.- Quinn & Aspen L.
Jodie served as Vice President/Mortgage Loan Originator at Southern for twenty-one years before leaving to own and operate her own business, Fit Zone for Women in Sturgis. After eleven years, she sold her business and made the transition back into the banking world as a Financial Advisor for Edward Jones, before her return to Southern. Jodie loves helping people purchase/build the home of their dreams. Her experience in the lending field allows her to streamline the home ownership process as well as quickly completing refinances and home equity loans. In her free time, Jodie serves as a volunteer peer counselor at Beginnings Care for Life Center in Coldwater, and is active in her church. Additionally, she enjoys motivating others to improve their health by instructing fitness classes at Great Lakes Health & Fitness club.
If there is such thing as a “Gold Standard” of Loan Officer’s, Jodie Johnson would be at the top of the list. Her knowledge of the industry rules and regulations made me feel extremely comfortable, and she was consistently responsive to the excessive amount of questions I asked. Most importantly she made the purchase of a house, which I now call home, pleasant and painless. I would highly recommend her to anyone seeking a home loan or refinance.
- Nick N.
After many months of consideration, I inquired about refinancing my house through SMB&T. I met Jodie Johnson as a Loan Officer (Lender) and began the loan process. She was forthright with information I had requested and made the loan process as seamless and straightforward as possible. Jodie responded to correspondence in a timely fashion. Jodie was well prepared and a commensurate professional throughout the whole loan process. With Jodie's help, my monthly loan payment was reduced by almost three hundred dollars.
- John M.
Kristen joined Southern in February of 2022 as an Assistant Vice President/Mortgage Loan Officer. Kristen attended Olivet Nazarene University and earned her B.S. in Elementary Education, then obtained her MBA in Leadership from Western Michigan University. She is the founder of Good Better Best Shop in Coldwater. Kristen enjoys serving the community and being apart of bettering Branch County. She serves on the Steering Committee for Women Who Care of Branch County, is a board member for Branch County Business Affiliates, a Kiwanis Club Member, and is affiliated with Good Better Best shop.
Stephanie joined Southern in March 2019 as a Mortgage Loan Officer. She brings with her 12 years of experience in the banking industry. Stephanie takes pride in actively listening to her customers to find the best solution for any situation. She has a passion for helping others and enjoys being able to assist customers through the mortgage process. Stephanie serves on the PR committee and Membership committee for the Battle Creek Area Association of Realtors and as a board member for the Kiwanis of Battle Creek. Additionally, she serves as Secretary for the Memorial Park Cemetery Board.
I recently had the pleasure to work with Stephanie to refinance the mortgage on my home. The process was simplified by Stephanie’s caring professionalism and communication. She is a true mortgage professional! Stephanie is extremely knowledgeable and responds quickly with detailed information to every question along the way. From the easy-to-complete application on the website all the way to closing, Stephanie expertly guided the process with timely and accurate information. She truly cares about her customers. I now recommend all my friends and business associates to call Stephanie for their home purchase or refinancing needs.
- Matthew M.
LeAndra joined Southern Michigan Bank & Trust in 2013 and then transitioned into Retail Servicing Support in 2016. LeAndra has since worked as Mortgage Escrow Representative, Loan officer Assistant/Loan processor, Mortgage lender, Mortgage Loan Officer, and most recent promotion to Assistant Vice President Mortgage Loan Officer. LeAndra serves the Union City, Marshall, Mendon, and Three Rivers markets. In her free time, she has renovated and built several homes, giving her a unique perspective to the lending process. LeAndra has been a resident of the Union City area for many years and was elected to serve as a Village Trustee. Whether you are looking for your first home, vacation getaway, refinance, or a new construction. LeAndra will work hard to make sure that you meet your goals.
LeAndra was wonderful to work with. She made the whole process very stress free and had great lines of communication! Thank you SMB&T and LeAndra!
- Spencer & Shannon K.