Local Home Loan Experts
UnitedOne's Mortgage Specialists
Whether buying your first home or refinancing your current one, UnitedOne's Local Home Loan Experts in Manitowoc and Sheboygan will help you find the right mortgage program to meet your specific needs.
Kari Johnsrud
NMLS # 441414
1117 S. 10th Street, Manitowoc View Map
Email: kjohnsrud@UnitedOne.org
Phone: (920) 652-2513
Text Kari
Julie Peot
NMLS # 441412
1117 S. 10th Street, Manitowoc View Map
Email: jpeot@UnitedOne.org
Phone: (920) 652-2514
Text Julie
Marla Hitsman
NMLS # 2696821
2122 Superior Avenue, Sheboygan View Map
Email: mhitsman@UnitedOne.org
Phone: (920) 694-3933
Text Marla
Home Loan questions? We're happy to help!
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at homeloans@UnitedOne.org.
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Understanding Home Insurance: A Guide for Homeowners & Buyers
Get expert tips on avoiding costly coverage gaps, understanding policy types, and protecting your home with the right homeowners insurance.
Maximizing Your Home Equity: A Smart Financial Strategy
Discover how to tap into home equity to fund major expenses, consolidate debt, and build financial security with expert strategies.
Navigating the Process of Mortgage Escrow Analysis
Since property taxes and insurance premiums can fluctuate, that also means monthly mortgage payments could change as well following an escrow analysis.
Update An Older Home with a Low-Rate Loan
WHEDA's More Like Home™ Repair & Renew Loan is a great way to save on upgrades to homes built prior to 1984.
What You Need to Know About Home Appraisals
Home appraisals are essential for buying, selling, or refinancing, with factors like market trends, upgrades, and land affecting property value.
Understanding the Ins and Outs of Home Appraisals
Learn how home appraisals determine property value and why understanding the process is key for homeowners and homebuyers.
Understanding VA Loans: Benefits and Common Misconceptions
Our Local Home Loan Experts explore why VA loans are a great option to homeownership for those that served our country.
HELOCs: Your Home’s Hidden Cash Flow
Homeowners can tap into their property’s equity using this tool to get access to cash for everything from renovations to debt consolidation.
FHA Loans: How They Make Homeownership Attainable
Achieve the dream of homeownership with a lower down payment and more flexible credit standard than a conventional loan.
Reach Goals with 10-Year Home Equity Loan
A 10-year home equity loan provides a realistic path to fund a major expense or accomplish the ultimate goal of eliminating debt.
Behind the Scenes of the Underwriting Process
Our Local Home Loan Experts take you behind the scenes of the underwriting process and explain its importance.
What Makes Up Your Credit Score and How to Improve It
Our Local Home Loan Experts discuss what elements make up your credit score and how to improve it.
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Understanding the 5 C’s of Credit & Your Credit Score
Our Local Home Loan Experts clear up any confusion about credit and its role in applying for a loan.
How to Build Your Dream Home with a Construction Loan
Our Local Home Loan Experts delve into what a construction loan entails and things to be aware of during the process of building a new house.
Debunking the 20% Down Payment Myth for Homebuyers
Our Local Home Loan Experts discuss various programs and alternatives that help make it possible to purchase a house without needing a 20% down payment.
Listen to the latest episode of our podcast, At Home on the Lakeshore
“Julie Peot helped me begin our loan process and answered all my questions. Spring Moore & LeAnn Kuhl helped along the way. I totally appreciated their quick responses."
"This is our second home mortgage loan and I came back because the first went so smoothly. I would never use another bank or CU."
– Jane M., UnitedOne Member since 2001