NMLS Registry Information for Mortgage Loan Originators
| PFCU: |
NMLS # 446361 |
| Debra Schaar: |
NMLS # 458012 |
| Voula Lapinski: |
NMLS #1154742 |
| Joe Krieger: |
NMLS # 221997 |
| Julie Moyer: |
NMLS #682441 |
| LeAnne Hixson: |
NMLS #1614383 |
| Michele Makley: |
NMLS #613467 |
| Sara Badgero: |
NMLS #630781 |
| Lara Hitchcock: |
NMLS #1417357 |
| Jolene Tingley: |
NMLS #436331 |
| Caleb Doering: |
NMLS #2025625 |
NMLS Consumer Access
Finding the perfect piece of real estate in Michigan is a great achievement for you and your family. PFCU offers many choices to fit your mortgages needs. Our experienced professionals, with over 140 years of combined experience, will guide you through the easy application process.
For a Limited Time:
Buy or Refinance with Lower Closing Costs
Save up to $700* when you refinance, purchase or build with PFCU
Don't miss out! Apply today!
We offer mortgages for purchases, new construction, refinancing, land and Bridge loans.
- Terms to fit your budget
- 0% down rural development mortgages available
To get started review the list of documents you will need to submit your Mortgage Application.
Required Documents
Apply online!
Refinancing an existing Mortgage Apply Here
Purchase a home or for a pre-approval to purchase a home Apply Here
Bridge and Construction Loans Apply Here
We offer Barndominium Loans! Learn More
Questions? Use our live chat support or call for a free consultation 844-517-3611
Mortgage Tools & Resources
Are you thinking of applying for a mortgage soon or in the future?
Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers").
These offers may result in mass phone calls and letters from credit companies.
Avoid these calls and credit offers by Opting Out
The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers.
It may take a few months to fully opt-out and stop receiving firm credit offers.
Visit Readynest, a safe and secure website for homebuyers providing tools for success, including:
- An overview of the key steps to home buying
- Interactive Calculators
- Checklists and planners
- An easy-to-understand homebuying glossary
Learn More
Mortgage Loan Originators
*Valid on approved first mortgages and refinanced mortgages at PFCU. Closing cost savings structure: loans up to $149,999 save $300; loans $150,000-$399,999 save $400; loans over $400,000 save $700. Valid for applications filed April 1 – May 31, 2025. Promotion subject to change at any time.