Tammy Blick, Vice President, MLO

NMLS# 562307
Email Tammy
Phone: 563-447-1788


Secondary Market Mortgages - Up to 30 Year Financing!
Conventional and FHA long term fixed and adjustable rate mortgages with very competitive rates. Down payments as low as 3% for first time home buyer with same day pre-approval. Whether you are purchasing a new home, refinancing to lower your rate or term, or need to refinance for cash out to pay for many of life's events, call for your pre-approval today!


*Investment mortgage loans for up to 10 properties are also available at competitive rates!

Reverse Mortgages
Discover how a Home Equity Conversion Mortgage (HECM) loan can provide a secure retirement. Let us help you live your retirement years more comfortably.


HECM for Purchase 

If you are a homeowner who is 62 years of age or older, the Home Equity Conversion Mortgage (HECM) for Purchase may help you buy your next home with no required monthly payments. You are responsible for paying property charges including, homeowners insurance, taxes, and maintenance for the life of the loan. Interest will accrue on the loan balance. Call for more information.

Enhance Your Financial Security 

If you are looking for ways to supplement your retirement income, a reverse mortgage loan allows you to access a portion of your home's equity to obtain tax-free funds without having to make monthly mortgage payments. You are repsonsible for paying property charges including, homeowners insurance, taxes, and maintenance for the life of the loan. Interest will accrue on the loan balancce. You may be able to obtain funds you need to pay off your existing mortgage, medical bills, vehicle loans, or other debts to improve your monthly cash flow. Consult your financial advisor for any effect on taxes or government benefits. Call for more information. 

In-House Mortgages

Walcott Bank does not use Credit Scores or Sell Your Loan.

Purchases

Your loan will be processed and serviced right here at Walcott Trust and Savings Bank. We make your home mortgage experience pleasant and worry free! 90% financing with no Private Mortgage Insurance available with our 10% Home Equity Program. Call Tammy Blick for your quick, hassle free approval today.

 

Refinances

We offer quick local processing and servicing. Refinance your current mortgage and cash out your equity or lower your interest rate! Call Tammy Blick for your quick, hassle free approval today.
 

Construction Loans
Build your dream home using our easy to use construction loan. We will guide you every step of the way! Once construction is complete, we can finance your home into a long-term fixed or adjustable rate mortgage through our Secondary Market Program. Call Tammy Blick for your quick, hassle free approval today. 


Bridge Loans

Found your dream home but already own a home? Get a bridge loan from WTSB and cash out the equity of your current home for the down payment on your new deam home! This will eliminate the worry during your purchase transaction while providing affordable, flexible terms. Call Tammy Blick for your quick, hassle free approval today.
 

Home Equity Line of Credit

Our Premier Home Equity Line of Credit can put the power of your home's equity to work for you by borrowing for almost anything such as; home improvements, consolidating your credit cards, or help pay for a college education. Interest paid may be tax deductible! Consult your tax advisor. Call Tammy Blick for your quick, hassle free approval today.


Second Mortgage Home Equity Loan

Use the equity in your home for home improvements, purchasing a vehicle, college education, debt consolidation, or whatever your need may be with your fixed rate Second Mortgages. Long-terms are available to make the payment very affordable, no matter why you need the money. Interest paid is tax deductible! Consult your tax advisor. Call Tammy Blick for your quick, hassle free approval today.