Cheryl Hartzog

Trusted Mortgage Lenders

Using the best mortgage lender ensures a smooth home buying process.

Mortgage lenders manage the home loan process. Debbie Krum and Mike Hogan are experts on the many types of home loans available to you, be it a conventional fixed-rate loan, an adjustable rate mortgage, or a specialty loan like an FHA loan, VA loan, USDA loan, or a bridge loan. A good home loan officer also helps me do my job better; along with keeping you in the loop, they communicate in a timely fashion with me as well. Their ability to coordinate all the details of the loan and follow up with the home buyers and the real estate agent in a timely manner ensures your home loan funds on time.

A good mortgage lender is so important to a smooth home buying process because...

  • They are the key team member to closing date: Funding the home loan is the most important factor in closing a real estate transaction on time
  • They also must be well versed in the many loan options available to suit your situation best.
  • Buying a home is a big deal, and you’re going to want to know what’s going on. Good communication is imperative to a smooth home loan process.
  • Your lender must respond well to unexpected problems because the home financing process can be complex.
  • The bottom line is a good mortgage lender will make sure you move in when expected!
Debbie Krum

Numerica Credit Union

Sr Home Loan Officer - External - NMLS# 139958
Numerica Credit Union
(w)(509) 688-6978 | (m)509-993-2299 | (f)509-688-6979
14610 E Sprague Ave Spokane Valley, WA 99216

I have been working with Debbie for years. If you’re looking for a mortgage lender in Spokane, WA, Debbie Krum is a top choice. Beyond her 12 years of experience working in finance, her passion for helping people secure the homes of their dreams leaves her clients happy time and time again. Her expertise was highlighted by serving as the president of the Spokane Mortgage Lenders Association in 2016.
Mike Hogan

Chimney Rock Mortgage

Branch Manager - NMLS #4538
Chimney Rock Mortgage
(w)509-747-1300 | (m)509-280-8173 | (f)509-753-2148
1320 N Atlantic St. Suite B Spokane, WA 99201

Mike has been in the mortgage business for 14 years. He has built a successful team which prides itself on helping all borrower’s achieve their goal of owning a home. Time and time again, Mike and his team receive rave reviews from their clients.

⚠️ Disclaimer

I have listed these resources for purely informative purposes. I will not receive any kickback or finders-fee if you choose to do business with anybody on this page. I list these contacts because I have worked with them and trust their work to be timely and accurate, making my job easier and your experience better.

RESPA (the Real Estate Settlement Procedures Act) clearly prohibits it for mortgage lenders, and I accept no referral fees from any trusted partner. Real Estate Settlement Procedures Act > Section 2607. Prohibition against kickbacks and unearned fees (a)Business referral: No person shall give and no person shall accept any fee, kickback, or thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or a part of a real estate settlement service involving a federally related mortgage loan shall be referred to any person.

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