Jill Ritter, Senior Loan Officer

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

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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.

Expertise

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

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

EXPERIENCE A TRUE PARTNERSHIP THAT BRINGS you home faster.

My Office

Fenton, MI

15173 North Rd

Fenton, MI 48430

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.

Learn more about Jill Ritter

Expertise

Recent Posts

Find a Loan

Mortgage FAQs

Recent Posts

Articles from the Cason Blog

Find the Perfect Loan

If there is a mortgage product that you need, Cason has it!

I need a loan above $453,100.

Jumbo Loans

Jumbo mortgages are home loans that exceed conforming loan limits which is is $453,100 in most areas of the country.

I want the lowest interest rate available.

Adjustable Rate

The interest rate on this loan will be fixed for a stated period of time and will then become adjustable for the remainder of the loan.

I don't want to worry about my interest rate going up.

Conventional Fixed

A fixed-rate, conventional mortgage offers an interest rate that won’t change for the life of your loan and conforms to federal guidelines for the size of the mortgage and your financial situation.

I want to live in a rural area.

USDA/Rural Development

Rural Development loans are offered in rural areas as determined by the USDA. The USDA’s mission is to help lower income households obtain home loans at reasonable mortgage rates.

I am a military veteran or actively serving.

VA Loans

VA Loans are mortgage loans made by an approved lender and guaranteed by the Department of Veterans Affairs. VA loans are made eligible to veterans and those currently serving in the military, and often have lower down payment requirements than other types of loans.

I don't have a lot of money for a down payment.

FHA Loans

FHA loans are designed to make housing more affordable, particularly for first-time homebuyers and are insured by US Dept. of Housing & Urban Development.

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)?

A ratio determined by dividing the sales price or appraised value into the loan amount, expressed as a percentage. For example, with a sales price of $100,000 and a mortgage loan of $80,000, your loan to value ratio would be 80%. Loans with an LTV over 80% may require Private Mortgage Insurance.

What are Discount Points (or Points)?

A one-time charge imposed by the lender to lower the rate at which the lender would otherwise offer the loan to you. Each point is equal to one percent (1%) of the mortgage amount. For example, if a lender charges two points on a $80,000 loan this amounts to a charge of $1,600.

What is the difference between Interest Rate & APR?

What are the steps in the Mortgage Process?

The Loan Approval Process is relatively simple but can seem very mysterious if it is never explained to you. The best news ever is that it takes less and less time these days. No matter how fast, however, every mortgage application has to go through these steps:

What is a Truth-in-Lending Disclosure and why do I receive it?

The Disclosure is designed to give you information about the costs of your loan so that you may compare these costs with those of other loan programs or lenders.

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.

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

EXPERIENCE A TRUE PARTNERSHIP THAT BRINGS you home faster.

My Office

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Call Toll-Free 866.667.0900