ABOUT

LOCAL LENDING SINCE 2000

I take pride in my what I do every day for my clients. Crafting the perfect home loan product to their wants and needs takes strategy and execution to ensure the best financial outcome. How do I do it? Come see for yourself during your very own ‘onion peeler session’ where we will take a dive into creating a plan of action.

VICTOR BALS
Sales Manager, Sr. Loan Officer
BETH O’HARA
Loan Processor, Sr. Loan Officer
MONICA MINER
Marketing Director
FLO CANNON
Licensed LO Assistant

Creating Modern Mortgage Solutions with world-class communication and professional service every step of the way. Get your perfect home loan today!

Core Values

Victor Bals success is based on World Class Communication in every transaction while delivering Modern Mortgage Solutions for every client. Don’t trust a phone app to have the best intentions for your home loan needs, trust your local lender!

State of the art Mobile Mortgage Calculator designed by mortgage professionals for mortgage professionals, Realtors® and clients alike.

Crunch your numbers on your time!

Calculate rates for FHA, Conventional, USDA, and VA loans—including down payments, MI rates, and APR quotes.
Get an idea of the monthly payments and affordability to take your next step on your financial path!

Get the App!

Securely take loan applications, have credit reports and receive pre-qualification letters from anywhere. So, when you find the home, you’ll make an offer with confidence.

Information is power, but for borrowers, it’s also peace of mind.

  • Customize borrower alerts, so you know when the loan hits certain milestones

  • Deadlines for returning forms or information to help keep organized.

  • Improve the borrower experience with continuous communication.

  • Setup customized alerts for a seamless loan process

You will also receive these loan status updates and much more part of our world-class communication series ensuring no one is left out of the loop!

Send the home loan documents from your location. Clients can send 1003’s, Bank Statements, Taxes, W2’s and more. At any time, from anywhere.

  • With a tap-to-scan-and-send option, encrypted documents get into the right hands.

  • Built-in enhancement tools for brightness, contrast, cropping, and edge detection make for superior document quality.

  • Realtors can easily scan addendums or changes at any time. Which means fewer closing delays—and a lot less of the traditional paper shuffle.

START YOUR HOME LOAN!

Get pre-approved