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Mortgage Lenders

Meet our Mortgage Lenders

Get Started With a Home Loan

Buying a home is a big step, and the right guidance can make all the difference. 

Call Federal’s mortgage lending team is here for Richmond, VA homebuyers and homeowners with clear answers, local insight, and home loan guidance shaped around each member’s needs.

Meet Our Mortgage Experts

Our Mortgage Lending Team is ready to guide you every step of the way.

  • K Fortner

    Kerri Fortner

    Director of Real Estate Lending
    NMLS# 1280736

    Kerri Fortner brings leadership, experience, and a big-picture mindset to Call Federal’s Real Estate Lending team. A credit union “lifer,” Kerri has spent the last ten years helping improve Call Federal’s mortgage products and processes while modeling the hard work and kindness members expect from a local credit union.

    When she’s not supporting her team and members, Kerri enjoys time on the water, new adventures, and supporting veterans and children’s charities.

  • B Miller

    Brooke Miller

    Senior Mortgage Loan Consultant
    NMLS# 411226

    With more than fourteen years as a mortgage specialist, Brooke Miller loves helping members through one of the biggest purchases they’ll make. She takes pride in guiding homebuyers through the mortgage process and helping them find a loan that fits their situation, their budget, and their family.

    A Chesterfield native, Brooke has been with Call Federal since 2002. Outside of work, she’s a proud cheer mom, following her daughter to competitions across the region.

  • K. Treadway

    Kate Treadway

    Mortgage Loan Consultant
    NMLS# 2152649

    Kate Treadway brings more than seven years of banking experience and a strong attention to detail to Call Federal’s mortgage lending team. She helps keep members’ mortgage journeys on track with a positive attitude and a steady, supportive approach.

    A California native, Kate loves to travel and explore the outdoors, whether she’s hiking new trails or spending time on the water.

Contact the Mortgage Team

WHAT TO EXPECT WHEN MEETING WITH A MORTGAGE LOAN OFFICER

Meeting with a mortgage loan officer for the first time is less about having all the answers and more about starting the conversation. Our local mortgage loan officers will ask about your timeline, budget, and the type of home you’re hoping to buy or refinance. From there, they can review mortgage programs, explain what documents may be needed, and outline what comes next.

A few good questions to ask include:

  • How much home may I be able to afford?
  • Which mortgage programs may be available to me?
  • How much should I plan for a down payment and closing costs?
  • What can I do now to strengthen my application?

Our team is here to answer your questions clearly, so the mortgage process feels more approachable from the start.

 

Get Started
Homebuyers meeting with a mortgage loan officer

I have been a member of the Call Federal Credit Union for more than 30 years. I have always received the best service & the best loan rates.

– Kelli P., Midlothian, VA

FAQs

Mortgage loan officers manage the home loan process from application to closing. They review your financial details, explain available mortgage programs, help you gather the right documents, and keep you updated throughout the process.

At Call Federal, our mortgage loan officers also bring a local perspective to the process. Whether you’re buying in Richmond, VA, or elsewhere in the surrounding area, our team is here to make the mortgage experience feel clear, personal, and manageable.

A mortgage loan officer can walk you through loan choices, review rates and terms, estimate monthly payments, and plan for costs like down payments and closing costs. They can also explain what lenders look for during the application process, so you know how to prepare.

Working with credit union mortgage lenders like Call Federal means you have a team focused on guidance, not just transactions. We take the time to learn what matters to you and offer clear, personal support throughout your home loan experience.

It’s a good idea to contact a mortgage loan officer early — even before you start touring homes. Getting guidance upfront can help you understand your budget, explore your loan options, and know what to expect when you’re ready to make an offer.Not finding what you’re looking for? See all FAQs.

You can also reach out if you’re thinking about refinancing, wondering whether now is the right time to buy, or simply weighing your home loan choices. Our Richmond, VA mortgage lending team is happy to answer questions at any stage.

Not finding what you’re looking for? See all FAQs.

MORTGAGE RESOURCES

First Time Home Buyer Resources

Buying your first home is a major milestone, and having the right information can make all the difference. Get clear guidance, practical tools, and expert support to help you move forward with confidence – from planning to closing.
Learn More

Mortgage Refinance

Life changes — so can your mortgage. Call Federal helps you reap the rewards of mortgage refinancing with significant savings.
Learn More

Contact The Mortgage Team

We put out the welcome mat for any and all questions. Fill out the form below and we will get back to you with the information you need.

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