Keri Fall
Mortgage Consultant
NMLS: 1963226
Phone: 877.243.2528 ext. 2712
Email: kfall@communitychoicecu.com
With nearly two decades of experience at Community Choice, I am dedicated to guiding members through every stage of their financial journey with transparency, trust, and tailored mortgage solutions.
Here to help with all of your mortgage needs
Buying a home, refinancing, or borrowing against your equity is rarely just about the loan. It’s about what you’re trying to do next: more space for a growing family, a lower monthly payment, the kitchen you’ve been putting off, helping a parent move closer. My job is to listen, walk you through your options in plain language, and find the path that fits.
Every mortgage situation is different. I find the path that fits yours.
I’ve spent nearly two decades at Community Choice and worked across lending, processing, and home loans before joining the Mortgage Team. That background means when a situation gets complicated, I don’t hit a wall. I look for the angle that works. The path you didn’t know was on the table. The timing that saves you money. Most members come to me with a situation that feels stuck, and we find a way through it together.
Where I can help
A few of the situations members come to me with most often:
- First-time buyers who don’t know where to start. Walking through pre-approval, down payment options, and what a realistic budget looks like, minus all the jargon.
- Refinancing or consolidating debt. Looking at whether a refi actually saves you money once closing costs are in, or whether a home equity option does the job better.
- Borrowing against your home’s equity. Helping members figure out whether a FlexChoice HELOC or a fixed-rate home equity loan fits the project you’re tackling next, from renovations to college to setting up a safety net.
The mortgage process
From dream to front door, getting a mortgage doesn’t have to be complicated. Here’s what it typically looks like:
Let’s run the numbers
Curious what your monthly payment could look like? Our mortgage calculator can help you estimate payments, explore price ranges, and plan with confidence. Try adjusting the numbers to see what works best for you!
Frequently asked questions
Does Community Choice offer mortgage pre‑approvals?
Yes! Mortgage pre‑approvals are available during the application process.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you share with us, usually over the phone. It gives you a ballpark of what you might be able to borrow. Pre-approval is a more thorough review where we verify your income, credit, and assets. It carries more weight with sellers and tells you exactly what you can borrow, so it’s the better option once you’re seriously shopping.
How long does the mortgage process usually take, from application to closing?
Most mortgages close within 30 to 45 days from application, though timing depends on factors like appraisal scheduling, how quickly documents come in, and the type of loan. We’ll give you a clearer timeline once we know more about your situation.
What documents do I need to apply for a mortgage?
Have the following ready when you apply:
- Two most recent pay stubs
- W-2s from the last two years (or 1099s if self-employed)
- Two years of tax returns if you’re self-employed
- Two most recent bank and investment account statements
- Government-issued photo ID
- Information on any other properties you own
If your situation is more complex — gift funds, rental income, recent job change — we may ask for a few extra items.
How much house can I afford?
Your affordability depends on factors like income, monthly debt, credit history, down payment, and interest rates. A mortgage expert can help you understand your options and estimate a comfortable monthly payment before you start house hunting.
Should I get pre-approved before looking for a home?
Yes. Getting pre-approved can help you understand your budget, strengthen your offer, and make the home buying process feel more straightforward. Community Choice offers mortgage pre-approvals to help buyers shop with confidence.
What’s included in a monthly mortgage payment?
Most monthly mortgage payments include principal, interest, property taxes, and homeowners insurance. Some loans may also include mortgage insurance.
How quickly can I close on a mortgage?
Many mortgage loans at Community Choice close in under 30 days, helping you move forward faster with less waiting.
Can I buy a home before selling my current one?
Depending on your situation, yes. A mortgage expert can help you explore options that may allow you to buy before you sell.
What’s the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage keeps the same rate over time. An adjustable-rate mortgage may start with a lower rate that can change later based on market conditions.
Hear from happy members
Connect with Keri
Don’t wait! Make your dream home a reality today.
Homebuying can be an overwhelming process – we’d love to make the financing part a little less so. Reach out today for dedicated, personal support from pre-qualification all the way until closing.
