About JeffJeff Kalmbach

Jeff made his debut at Arbor Financial in 2017, joining the Commercial Department as a private banker and commercial loan officer. Over the years, Jeff has provided exemplary service and solutions to members and prides himself on his dedication to service. In 2020, Jeff made the transition to the Mortgage Department as a mortgage loan originator. He has over 17 years if experience in private banking and branch management. Outside of the office, Jeff is an avid outdoorsman and guitar player, and he enjoys tackling DIY home improvement projects. He is married with two children and coaches his son's travel baseball team.

“Coming from a long career in big banks, it’s remarkable working here at Arbor. The credit union atmosphere is much more conducive to my work style and personality. We make it easy to get things done for our members!”


Contact Information

Meet Jeff Kalmbach, Mortgage Loan Originator.

Email: jkalmbach@arborfcu.org
Direct Phone: 269.544.3479
NMLS ID: 575095

Connect With Jeff On LinkedIn

View Mortgage Specials

Apply with Jeff
Evaluation required and ordered by a lender to determine value based on physical inspection and comparable sold properties.
Costs associated with purchasing the home and closing the transaction.
Monthly debts (from credit report) plus PITI (principal, interest, taxes, insurance) divided by gross monthly income = DTI.
Required if not putting 20% down. This is an additional monthly fee for the lender to pay property taxes and homeowners insurance (i.e. Principal and interest are $600.00/month. Property taxes are $2,000.00 annual ($166.67/month). Homeowners Insurance is $600.00 annual ($50.00/month). Total monthly payments will be $816.67).
Loan amount divided by purchase price equals LTV.
A closing cost charged by the lender for processing the loan; may also be called Processing Fee or Underwriting Fee.
Principal, interest, taxes, insurance.
The borrower has the option to buy down the interest rate by buying a point. A fee is added to closing costs (i.e. For 1% of the loan amount, the rate will be reduced by .25%).
Items that are required to be pre-paid for closing of the loan. If you escrow for homeowners insurance, one year of prepaid homeowners insurance is required.
Insurance to the lender that the property is free of any liens.
Typically required by the lender if LTV is greater than 80%.
At the time of application, you may choose to lock in your rate for a designated period of time or float and lock in at any time prior to close.

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