Associates Council

The Associates Council is responsible for planning the HBA's meetings, events, and education opportunities.
Amy Houk
Lindsay De Broka
Teachers Credit Union
Morgage Loan Originator
Pam Ender
United Federal Credit Union
Mortgage Advisor NMLS #132624
I have been in the lending industry since 11/1978. I am currently working out of our new Mishawaka Full Service Branch as a mortgage advisor. I have been here at United Federal Credit Union since July 2010. I strife to provide the necessary education to the buyers-this is very important to me. 

United Federal Credit Union offers financing for  vacant lot loans, construction loans as well as financing for existing homes.

Give me a call to set up a time to discuss our options that we offer. You will not be disappointed.
Jennifer Schmitt
Ruoff Home Mortgage
Senior Loan Officer
I am a highly ­dependable, seasoned lender with 15+ years of successful experience in building a great reputation, and rapport, with both clients and colleagues. Whether someone is looking for a construction loan, jumbo loan, Doctor Loan, purchase loan (with or without down payment assistance), or a refinance - I will put in the time to make sure that they know about the beneficial options available to them. 
Everyone is busy these days, and time is very valuable, so my team makes sure to communicate clearly and consistently with buyers, realtors (both buyer and seller), and builders throughout the mortgage process to ensure that we not only close on time - but often offer the option to close early. 
Brannigan Stackman
Joyce Watkins