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.
Affiliations
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.
Blogs
Wondering which renovations will give you the best return on investment? When considering which projects to tackle in your home, take these into consideration!
An alternative solution for buyers is a bridge loan. While a little more involved, a bridge loan could be exactly what you need to ensure that you can purchase the home of your dreams.
Many people feel overwhelmed navigating and understanding this portion of the home buying process, as it can have a significant impact on the sale of a home. We wanted to provide some helpful information about home appraisals and options that are available to buyers, so that you can be prepared.
With a new year comes new milestones to reach, and creating new year’s resolutions are a great way to motivate you to hit important goals. Whether in your personal or professional life, setting goals for the year will help you stay focused and make sure you prioritize what’s important.
There are numerous things to consider when looking for the right mortgage lender, and there are questions you can ask to help you identify the right mortgage lender for you. As you shop around for a mortgage lender, here are some questions to ask so you can determine if it’s the right partnership.
While home inspections are common, sometimes there is some confusion about what exactly takes place during a home inspection and what buyers and sellers can expect. We wanted to give you a better idea of the home inspection process and what you can do to prepare.
Because it happens so quickly, many folks are surprised, and wonder how these companies ended up with their information in the first place, as well as how they can opt out of these offers. Here is some information on why home buyers receive these offers and how to make sure you're opting out of prescreen offers!
Our Mortgage Planners receive many questions about closing costs and what to expect at a closing. Whether you are buying or selling a home, navigating this process can feel overwhelming. Here are some answers about closing costs and what you can expect at closing.
Maybe you’ve been putting it off, or maybe you’re just not sure. Either way, we want to help you make the best decision for you and your family. Here are some awesome benefits of applying for a mortgage through Blackhawk Bank.
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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Tammy Zurfluh, Senior Vice President Mortgage Banking 
