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.
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.
REFINANCEStephanie was more than helpful during my mortgage process with SMB-T. I was aware of the overwhelming demand the market was putting on mortgage lenders due to lower than normal interest rates but Stephanie made it seem like I was the only customer she was working with. Her timeliness and ability to answer my questions were far above my expectations and even followed up with me while she was on vacation to let me know that my email was either forwarded to be taken care of or informed me of her return date for her to answer adequately. I’m thankful for Stephanie making the process go smoothly.- Kurtis C.
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.
Kascee joined Southern in 2018 as an Appraisal Analyst, before transitioning into her current role as Mortgage Loan Officer. She holds an Associate’s degree from Glen Oaks Community College. Prior to joining Southern, Kascee worked in the real estate field where she was a licensed Assessor. She enjoys assisting customers to help them meet their financial and personal goals, while developing friendships at the same time. Kascee will be serving the St. Joseph area for all of their mortgage needs.
The closing was so smooth and easy. Much easier than I imagined. Thank you for helping me make my dream come true.- Veronica W.
REFINANCEKascee was friendly, knowledgeable and very helpful. My experience throughout the process was excellent. Kascee was very good at communicating and corresponding with me. She made me feel that I was important, not just another number. I would highly recommend her for your Mortgage Loan needs. Hands down, she made it an excellent experience.- D-Ann A.
LeAndra joined Southern Michigan Bank & Trust in 2013 as a Teller, and transitioned into Retail Servicing Support in 2016. LeAndra has since worked as a Mortgage Escrow Representative, and Loan Officer Assistant/Loan Processor, before her most recent promotion to Mortgage Lender to serve the Union City area. 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 recently elected to serve as a Village Trustee. Whether you are looking for your first home, vacation getaway or refinance, 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.