My goal is to help put you into a home that you will not only enjoy, but comfortably afford.


I have been in the mortgage industry for over 35 years, helping thousands of families make the most important decision of their lives. I take pride in the fact that I have done several loans for many of my clients. Not only do they keep coming back to me, I’m starting to do loans for their children!

I currently reside in St. Charles with husband and our teenage daughter. We have three older children who have all graduated college and are off on their own starting to build lives of their own.

You're in Good Hands ...

Since 1915, Home State Bank has established a strong reputation with individual consumers, real estate professionals, and homebuilders.

You can be confident that your chosen mortgage consultant will guide and advise you on which product would best suit your unique home financing needs. We will provide loan status reports so that you are informed throughout the lending process.

Our online capabilities provide you with many conveniences that extend beyond normal business hours, however, we pride ourselves on establishing long-term relationships that are best formed through face-to-face interactions.

NMLS Institution ID N0. 478452

Your Trusted Mortgage Expert

  • Home State did a great job of assisting us on the finance end of our search for a new home. Once the offer was made and the ball was rolling all staff contacts with Home State Bank were pleasant, professional, and timely. Would highly recommend them.
  • Working with Home State was easy. Very knowledgeable and explained every step taken on the way to purchasing our new home. I would highly recommend working with them.
  • My wife and I just completed a re-finance on our second home in Florida. Home State was awesome to work with, which did not surprise us since we have handled several mortgages for us in the past at HSB, always with great enthusiasm, professionalism, and communication. Excellence in action.

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