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

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

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

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.

home equity insights

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NMLS ID #1461986

I am authorized to do business in the state of Pennsylvania.

Select from hundreds of loan products tailored to your needs

Heather Shanaman

Loan Officer

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