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Mortgage Planners

House hunting? Make Blackhawk Bank your first stop!

Talk to a Mortgage Planner for trustworthy advice and get pre-qualified for your Mortgage Loan. Shop with confidence and get added bargaining power with the seller.

Blackhawk Bank offers numerous mortgage options. Your Mortgage Planner will work with you to tailor an affordable home loan that's perfect for your lifestyle. When you're ready to talk about a loan for a new home or the refinancing of your current mortgage, contact one of us today. Get the experience and unparalleled customer service you deserve. 

Serving Clients in the Greater Beloit Area

Charla Salathe NMLS# 585469
400 Broad Street & 2200 Cranston Road, Beloit, WI 53511
Direct Dial: 608.299.3416

Iíve been a mortgage lender since 2005.  Buying a home is one of the most important investments a person ever makes, and it pleases me to see my customers enjoying the process as I move them along to the day big day of closing.  I want clients to experience what obtaining financing for their home should be like!  Iím honored to say that because of my level of commitment to customer service, many of my customers stay in touch and refer their family members and friends to me when theyíre interested in purchasing a home.

I moved to the Beloit area from Chicago in 1999, and worked at Budweiser Motors for nearly six years. While there, I met my husband David. He kept coming in to look at cars, but ended up with me!

I grew up in Chicago, so moving out here to the ďcountryĒ was quite an adjustment. Over time Iíve met so many wonderful people and built so many lasting relationships that Iím totally happy to call this area home.

When Iím not working my other passion is riding my handsome horse, a Dutch Friesian named Niek, whom Iíve recently begun showing in Dressage.  I also enjoy running, weightlifting and hanging out with my family and friends!

Serving clients in Beloit, Janesville, Northern Rock County & Walworth County

Terri Moldenhauer NMLS# 662501
200 West Milwaukee Street
Janesville, WI  53548
Direct Dial: 608.713.1996

As a lender for 25 years, I have extensive knowledge of the mortgage industry and the local real estate market.  Whether youíre a first-time buyer or purchasing your dream home on the lake, Iíll help you get into that special new home. Thereís nothing more exciting to me than assisting customers through the home buying process.  You can count on me for the very best mortgage options for your personal situation.

I go above and beyond to exceed every customerís expectations.  Iíll meet with you at your convenience at a location thatís best for you.  I love staying in touch; as the market changes, Iíll contact you when itís advantageous to refinance your current mortgage.  My best compliments are the many referrals I receive, and having repeat customers as a result of attentive service.

Iím a lifelong resident of the area and received an Associateís Degree in Accounting from BTC.  When I am not helping my customers I enjoy spending time with my 2 awesome sons, traveling, attending sporting events and giving back to my community.

What clients have to say:

"Terri's been truly remarkable.  Had it not been for her Iím certain our condo acquisition would not have been consummated.  We started with another bank; they had taken over 3 months and could not get the job done. Terri and her team pulled a languishing deal out of the fire. She picked up the ball and through hard work, creativity and a can-do attitude, completed a complicated transaction within 3 weeks.  Terri showed professionalism and passion, exemplifying the good things about community banking.  Perhaps the highest compliment is recommending someone to family and friends; Terri has earned my continued business and my highest recommendation."

What Realtors say:

"Terri is my 'go-to' lender.  She meets customers at their convenience and location, which is incredibly helpful to them. She goes way beyond normal expectations!"

Michael Hughes, Mortgage Planner

Serving Clients in the Roscoe, Rockton & South Beloit Area

Michael Hughes NMLS #1195168
Direct Dial: 815.986.7168
PO Box 522 | 5206 Elevator Road
Roscoe, IL 61073

I realize that amidst the busy lives we all live, learning about budgeting and finances can sometimes take a backseat to other priorities. I'm here to help you make sense of your credit report, teach you strategies to improve your score, and lead you down a path to home ownership.

I pride myself on keeping my clients and colleagues informed on both the good and bad news (it happens), throughout the steps of obtaining a mortgage. I will seek out the best programs, interest rates and terms suited to each client's specific needs.  Whether you are looking to refinance a current mortgage, searching for your first home, or you have purchased and sold a few houses in your day, I will provide you with the solutions you need to make the process as streamlined as possible.

I was born and raised in Belvidere, IL, and received my B.S. in Finance & Marketing from the University of Illinois in Urbana-Champaign before returning home to make an impact in my hometown and nearby communities.

I currently reside in Belvidere and when I'm not at the office, I spend time traveling, attending concerts, cooking, following Chicago sports, working on community development projects with the Rockford Area Realtorsí Young Professional Network, and trying very hard not to be the worst golfer in the Stateline.

What clients have to say: 

"Mike Hughes was EXTREMELY prompt and attentive throughout the entire process. The home we purchased (a foreclosure) took much longer than expected, but Mike did everything he could to expedite the process so that when it was available to purchase, weíd be all set.  At the sellerís request, Mike got our loan through underwriting in one day.  Although it was an unrealistic request, he bent over backward and made it happen."

"I cannot say enough positive things about him. He was very informative and helpful from day 1 to closing. I will DEFINITELY be recommending Blackhawk Bank and Mike Hughes to my friends who are currently in the beginning stages of looking at properties!"

Please connect with me on LinkedIn at: https://www.linkedin.com/in/michaelhughes7

Serving Clients in Belvidere, Capron, Caledonia, Poplar Grove:

Kelly Pospischil NMLS# 1369315
Direct Dial: 815.986.7131
2141 N. State Street
Belvidere, IL 61008

My goal is to provide you with the absolute best service!

Buying a home is one of the largest financial transactions youíll ever make. To make the process easy and enjoyable, Iíll spend time talking with you to answer questions and guide you along the road to owning a new home.  Whether youíre looking to purchase your first home, upgrading, downsizing, or refinancing your existing mortgage, I am fully committed to determining the best loan option to help meet your financial needs and achieve your goals.

I pride myself on keeping you well informed throughout the home loan process. When working with me, you can rest assured that your transaction will be completed in a smooth and professional manner.

Iím a graduate of St. Ambrose University. My wife Annie and I currently reside in Winnebago, IL. Outside of work I enjoy spending time outdoors, especially golfing.  I watch a variety of sports and Iím involved in Rockfordís Young Professional Networking Group, Ignite.

Margie Nowak head shot

Serving Clients in Rockford:

Margie Nowak  NMLS# 476485
Direct Dial: 815.986.7114
2475 N. Perryville Road 
Rockford, IL 61107 

I love helping people find the right mortgage to fit their needs.  Iíve been a Mortgage lender in the Rockford area since 1991. Finding the right mortgage product for your new home purchase or the refinancing of your present mortgage loan is my specialty. After listening to your needs, Iíll guide you to the best way to finance your home loan.

Iíve established and increased my mortgage business through giving my clients excellent customer service. I have many repeat customers whoíve grown to depend on my expertise; I'm pleased to say that they trust me enough to refer their family members and friends to me!

Iíve been involved with the Womenís Council of Realtors for over 16 years and was the treasurer for 3 years. I'm also involved with the Rockford Area Affordable Housing Association.

Iím a graduate of Marquette University. My husband Brian and I have 2 very active teenagers. I enjoy traveling to new places, golfing, reading and attending as many of my kidís athletic/school events as possible.

What clients have to say:
Clients Ali & Jake Chance had a smooth and easy home buying experience with Margie. Hear what they have to say!

ďFrom the first phone call to the closing at the title company, Margie handled my account in a very professional and cordial manner.Ē

ďNo problems what so ever! Great service!Ē

ďMargie was wonderful in helping me secure my mortgageÖsheís great!Ē



Tammy Zurfluh head shot Tammy Zurfluh  NMLS# 4764833
Vice President, Mortgage Division
Direct Dial: 815.986.7108
2141 N. State Street
Belvidere, IL 61008  

Heading the Mortgage Division is Tammy Zurfluh, an expert with more than two decades of industry know-how.  Prior to taking on the management of the department, Tammy was consistently the Bankís top mortgage executive with an extensive base of both new and returning clients, and a wide network of real estate professionals.  Today she implements and manages best practices for the division, overseeing strategic planning and the management of mortgage loan products.  Tammy and her team deliver unparalleled customer service to clients obtaining a home loan at Blackhawk Bank.