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102 E. Grand River, Brighton, MI 48116     PRIVACY POLICY | SITE SECURITY
Call today to speak with Victor, Gary or Beth: 734-417-2115


"Communication is Key to a Smooth Mortgage Process."

We do the homework upfront:

to eliminate obstacles, deliver a smooth and timely transaction,

Dedicated – catering to the specific needs of each client and their financial situation.

Equipped – providing the latest in web technology tools available directly to you.

Committed – passionate professionals putting your best interests & satisfaction above all.

On Target – we ensure every client knows each detail pertaining to their loan. Our World Class Communication Series allows smoother transactions and happy homeowners.

Thorough – we pay special attention, making sure our communication is on point in every transaction. We would rather over-communicate than not communicate enough.

At the Ready –  we are always here to take your calls, texts & e-mails. Loan status updates are sent throughout the transaction keeping client(s) & Realtor in the ‘loop’.

Tried and True – with an extensive background in the mortgage industry, strategic business know-how, The Highest Company-wide Loan Volume since 2011, our well-rounded market expertise and attention to detail define first class service!

Exceeding your expectations, gaining trust and respect as your lender.  

Victor Bals | Mortgage Banker
My background as a Process Engineer enabled me to lived in Japan for 3 years as a Program Manager.  I met a wonderful woman, Maya, and she became my wife in 1996. That is when we moved to Livingston County. We have 3 beautiful children, all engaged in soccer and focused on academics. We live in Hartland and enjoy the pool, friends, and family as well as traveling to Japan, giving our children a rich cultural experience. Maya chose a stay at home career, so she may devote her time to
a positive life developing disciplines for our children.

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 of Western Michigan University; my second daughter, Emma currently attends Western 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."