Mark Ritzi can assist you in financing of a new or existing home, new construction financing(jumbo loans too), lot loans with no money down, first time home buyers welcome, zero down, FHA, VA, refinancing, home equity loans or lines of credit, and home improvement loans. Pre approvals are available at any time at no cost to the customer. Mark has been Horizon Banks number one mortgage loan officer for 7 years and has been working with homeowners, builder, and Realtors for over 21 years.

Please note that the interest rate and fees shown here are available to borrowers based on the estimated credit score you entered. If you did not provide an estimated credit score the rates displayed are based on a borrower with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

Important Notices

• The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.
• The monthly payment amount shown includes principal, interest and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow account is established or required.
• Your APR will vary based on your final loan amount and finance charges.
• At Horizon Bank - first time home buyers will receive a $100 credit toward their financing costs at closing.
• All transactions in excess of 80% require private mortgage insurance approval.

APR = Annual Percentage Rate