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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Hello and welcome to my web page. I'm so happy you're here! I'm Heather Shanaman, a Mortgage Loan Officer, based in Ephrata, PA. I haven't always been a loan officer, but I've been in the business since 2001. I worked behind the scenes in most roles but found that I was able to really connect with people and I needed to make the move to a full-time loan officer. I have a passion for helping others whether it be personally or professionally. I've had my share of ups and downs in life, so I understand where you're coming from. I take the time to really listen to you, to understand you, so I can help you find the best mortgage loan product to fit your needs. You may be buying your first, or last home, maybe refinancing or investing in real estate. No matter what your needs and dreams are, I'm here to walk you through it all. My goal is to make this as easy and as enjoyable as possible and to lower the stress you may feel as you go through this process. This is a big step and it would be my pleasure to help you navigate this time of your life.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.88 out of 5.0 stars
4.88
Eric
May 27, 2025
Bainbridge, PA
Verified

Heather was awesome and really helped my fiancé and I with everything we needed in our entire home buying process. She was available every phone call and worked with us on multiple offers until we finally found our dream home. I would recommend Heather to anyone looking to buy a home and also save some money!
Randy
May 05, 2025
Willow Street, PA
Verified

Heather went above & beyond for us
Julie
May 05, 2025
Willow Street, PA
Verified

Heather is great to work with. We were able to excute a quick settlment which helped my buyers offer win. Will refer her more buyers in the future!
SHERRIE
May 19, 2025
Harrisburg, PA
Verified

Heather was very responsive and kept buyer and agent involved and updated on each step of the process. Thank you Heathe!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1461986
I am authorized to do business in the state of Pennsylvania.