Tammy Zurfluh

Tammy Zurfluh, Senior Vice President Mortgage Banking 

2141 N. State St. 
Belvidere, IL 61008

Heading the Mortgage Division is Tammy Zurfluh, an expert with more than two decades of industry know-how. She implements and manages best practices for the division, overseeing strategic planning and the management of mortgage loan products and services. Tammy and her team deliver unparalleled customer service to clients obtaining a home loan through Blackhawk Bank, as well as services and expertise to smaller financial institutions that take advantage of the Bank’s Correspondent Lending program.

Areas of Expertise 

Mortgage lending and related regulatory compliance, specialty mortgage programs offered by the Federal Housing Authority, VA, Illinois Housing Development Authority, Wisconsin Housing and Economic Development Authority, Down Payment Plus and Construction Loans.


Current chair of the Boone County Habitat Family Selection Committee, member of the Rockford Area Realtor Association, the Belvidere Realtor Association, the Rockford Homebuilders Association, the Swedish American Hospital/Belvidere Board, Rock/Green WI Realtor Association and Rockford Chamber LEAD 360 Executive Women's Group. Past board member of Belvidere Main Street, the Belvidere Area Chamber of Commerce and past Zonta International Club Member.

Just for Fun

Tammy has been married to her husband for over 34 years and they have 2 wonderful daughters and a fabulous son-in-law. Tammy and her daughters share a passion for horseback riding and they excelled in Dressage and Show Jumping with the Illinois Dressage and Combined Training Association (IDCTA).  She loves to travel and some of her adventures have taken her to Italy, Fiji and Australia. Tammy’s true passion is helping her mortgage clients and staff experience joy from the home buying process. 


When it comes time to buy a home, there are many decisions that need to be made: what neighborhood to live in, determining a budget, which realtor you should use. The list seems endless. One of the most important decisions you will make, though, will be which mortgage lender you choose.
Many people throughout the United States rent a living space as an alternative to purchasing a home. For many families, college students, and young professionals, paying rent to a landlord fits their lifestyle.
One aspect of home ownership that often gets glossed over, but can be just as important, is property taxes. When purchasing a home, many people enter the housing market with a set budget in mind, but often forget to calculate how much they are willing to spend on property taxes.
When it comes to selling your home, there are many things to consider: what buyers want to see, updates you want to make to your home and putting it on the market for the right price, just to name a few. However, one thing that homeowners don’t always think about is safety.
Buying a home can be an exciting time, however, this excitement can launch you into the home buying journey prematurely if you rush the process.
Buying a home can be an intimidating process under normal conditions, let alone during a global pandemic. Between shelter-at-home orders and social distancing protocols, the mortgage and real estate industries have had to adapt to a new normal.
Are you thinking about buying a house? Our latest blog discusses what to consider if you are thinking about purchasing a home in the near future.
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