Hi! I'm Jill Ritter and I'm a Senior Loan Officer in Northern, MI. I'm here to provide expert mortgage advice and bring you home faster.

NMLS ID: 139945
Learn more about Jill Ritter

I have over 20 years experience in banking with a degree in Business Management, and have over 10 years as a mortgage loan officer.

I got started in Mortgage Banking in 1992 on a referral from my sister-in-law. I love seeing hard working, good people get their first home when they did not think they would qualify for a mortgage.

I’m an active member of Oscoda Rotary Club, Northeast Sunrise Charter Chapter of the American Business Women Association and the Alpena Quarter Horse Breeders Association.

I have been past president and board member for both Rotary and ABWA and currently serve on the board of all three. I believe in community service, and through these groups I have been given an opportunity to do just that.

By living and working in Northern Michigan I truly understand our area’s mortgage issues. Being a strong part of my community has helped me to understand the challenges that face small communities.

I will never tell you no: if you are not ready I will guide you through the process to get you ready to qualify for a mortgage, with a strong focus on what is right for you. I’m looking forward to help you achieve your dream of home ownership.


I specialize in government loans with emphasis on Rural Development and VA which are zero down programs.

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Find the Perfect Loan

If there is a mortgage product that you need, Cason has it!
I need a loan above $453,100.
I want the lowest interest rate available.
I don't want to worry about my interest rate going up.
I want to live in a rural area.
I am a military veteran or actively serving.
I don't have a lot of money for a down payment.

Clear Answers to Common Questions

From start to finish, our team will go above and beyond to ensure all your questions are answered.
What are the common fees through the mortgage process?
What is the difference between a Mortgage Broker & Mortgage Banker?
What is a Rate Lock or Lock In?
What is a Loan To Value Ratio (LTV)?
What are Discount Points (or Points)?
What is the difference between Interest Rate & APR?
What are the steps in the Mortgage Process?
What is a Truth-in-Lending Disclosure and why do I receive it?
What is Private Mortgage Insurance (PMI)?
How does an escrow account work?

With all of the mortgage companies that seem to appear and disappear you may wonder why I choose to work for Cason Home Loans.

First, Cason Home Loans has been in business for over 12 years and is managed by extremely experienced loan professionals that understand my job intimately and always go the extra mile to help me serve you.
Second, Cason Home Loans is a mortgage BANKER not a mortgage BROKER. This means that Cason Home Loans is an actual lender with its own products and its own staff of in-house underwriters.

These important distinctions mean that Cason empowers me to offer the best programs and tools in the industry, in addition to exceptional support, specialized products and very competitive rates that are unique to Cason Home Loans.

In short, "I work for Cason because they make sure that I have the best products and service to offer you - and this brings my clients back again and again!"

Apply Now


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My Office

Fenton, MI

15173 North Rd
Fenton, MI 48430

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