The Victor Bals Team was started by Victor Bals, Senior Loan officer 9 years ago. Since then we have proven to create a productive and proactive approach to our clients financial objectives. With the Victor Bals Team working for your best interest you can count on that it's not if you can buy a home but it's when!
Our team will do the homework upfront to eliminate obstacles, delivering a smooth and timely transaction, exceeding your expectations and gaining your trust and respect as your lender.
Our Team will provide:
- Detailed credit analysis, loan options, and purchase offer strategies
- Detailed closing costs, payment, and cash to close estimates on each property
- Detailed loan scenarios minimizing or eliminating PMI (Mortgage Insurance)
- Detailed purchase offer structuring, minimizing cash to close to utilize post closing for moving expenses, improvements to the home and cash reserves.
- Absolute World Class Communication to you and all involved in the transaction.
- Personal attention and a lot of love.
My passion is structuring mortgage loans for the business of Life. Utilizing strategies that focus on short term and long term financial goals and objectives for each and every client.
Many lenders just “Sell” the mortgage to the client, but often times miss the key point of what the client would like to achieve. I like to not only look at the mortgage, but also analyze credit, the reserve funds for future life changes, the funding of college and look to where the client will be positioned in their the retirement years.
My engineering approach to the mortgage structure and the mortgage process allows my team to offer world class service in communications second to nobody. We also educate each client with several options and complete understanding of how those options will benefit their future.
You have my personal devotion, with your best interest in mind.
Beth K. O’Hara | Senior Loan Processor
I have over 14 years’ experience in the mortgage lending industry. I am a fully licensed Loan Officer and I am also the Sr. Loan Processor for the Victor Bals Team. Prior to joining the mortgage industry in 2000, I worked for Detroit Edison - DTE Energy for 10 years as a Senior Analyst in the Customer Service Division. Superior Customer Service has always been my top priority. My mission is providing the best lending experience to each and every client, in a friendly, professional, informative, detailed and reliable manner with the best world class communication in the industry!
My background includes a BBA Degree from Western Michigan University, with a major in Marketing and a double minor in Business Communications and Business Administration.
I have enjoyed living in the Brighton/Hartland community for over 20 years and I have three wonderful children. My eldest daughter, Erynn, is a Graduate from Western Michigan University; my second daughter, Emma currently attends Wester Michigan University, and son, Danny, is a Senior in High School.
In my “spare time” I enjoy being a “Lacrosse Mom”, “Soccer Mom”, “Basketball Mom”, and “Football Mom”, as well as an active member in our school district, community, and church.
From start to finish I am involved in your loan working as your partner to offer comfort, direction, and explanation of the mortgage process.
My role is crucial to keep you informed so your mortgage experience is timely, smooth and a pleasant experience.
Gary Halek | Team Manager
I have lived in Livingston County Michigan since 1979. I started in the Mortgage Business in 1996.
I was a Loan Officer in Brighton, Michigan and earned 'National Loan Officer of the Year' in 2001, closing over 30 million in residential mortgage loans. In 2002, I was promoted to Branch Manager. In 2002 and 2003 my branch earned 'National Branch of the Year', exceeding over 100 million dollars in loan volume.
After the Mortgage Crisis of 2008 and closure of hundreds of mortgage companies nationwide, I stepped out of the Mortgage Business. I worked as a Server at a local restaurant and painted houses to provide for my family.
As I re-entered the Mortgage Business in 2011, I found that the mortgage guidelines had changed dramatically, tightening their grip on qualifying a client. The mortgage process had become an exhausting experience for the borrowers. I felt my Studies at Michigan State University in Business Administration would be better served in a Management role, to assure a smooth and timely process for the client.
I consider my position as Team Manager of the Victor Bals Team crucial to customer satisfaction and the success of our team. My primary role is to drive the process to specific timelines, and meeting or exceeding the objectives of each of our customers. Communication is the key to a smooth mortgage or home purchase process. To identify potential pitfalls and develop resolution early in the process ensures a successful outcome for all parties involved in the transaction.
My goal is to guide you in achieving your goals
About Huron Valley Financial
Huron Valley Financial established 1997, based in Ann Arbor Michigan. We have survived the mortgage meltdown with conservative and ethical lending practices. The company continues to grow and I am honored to work and manage The Brighton Michigan branch.
We are located in Brighton, Michigan. We also have offices in Ann Arbor, Fenton, Birmingham, Clarkston, and Grand Rapids Michigan.
We pay special attention to making sure we communicate on a daily basis if necessary. We would rather over-communicate than not communicate enough. We pride ourselves on a "No Surprises" type business philosophy.
We are going to make your home buying or refinancing experience very smooth. We assure you will be satisfied with our service. We will gain your respect and trust the old-fashioned way. We will earn it! We always communicate. We will always be there for your calls, with constant status updates along the way. We want to earn your business.
"Communication is Key to a Smoother Mortgage Process."