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Mortgage Loans

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Home Possible® & HomeOne® Mortgages
Mortgage Loan Inquiry
Mortgage Loan Originators

Welcome Home

Whether you are purchasing your first home, moving into a bigger one or splurging on a vacation home, Lake City Bank has the right mortgage for you. Getting a mortgage is a big deal. But that doesn’t mean it has to be complicated and stressful. Our local mortgage experts will guide you throughout the process so you can be confident about the results.

Get Started with a Mortgage

Personalized Service

Our mortgage experts will work with you through every step of the mortgage process. They are local, so they know your local real estate market.

Contact a Mortgage Expert

Today’s Mortgage Rates*

View our current mortgage rates below.

Loan ProductInterest RateAPR*PointsPrincipal & Interest Payment
10 Year Fixed6.750%7.095%0$1,148.24
15 Year Fixed6.750%6.995%0$884.91
20 Year Fixed7.250%7.451%0$790.38
30 Year Fixed7.250%7.405%0$682.18
5/1 ARM6.750%6.900%0$648.60
10/1 ARM7.000%7.152%0$665.30

*APR Assumptions: APR = Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in the mortgage market. Interest rates may also change according to credit and property approval based on secondary market guidelines. Rates displayed above are based on average interest rates for customers with credit scores above 760. Your individual rate may vary. The APR calculations include the interest rate plus other charges and fees and are based on a loan amount of $100,000 for the purchase of a primary residence with 60% loan-to-value (LTV). For Adjustable Rate Mortgage (ARM) programs, the rate may increase after consummation. All ARM programs based on 30-year term. Payments noted above do not include property taxes and homeowner’s insurance; the actual payment obligation will be greater.

Mortgage Calculator

Figure your monthly payment, including taxes, insurance, PMI, HOA, down payment, interest rate, and loan term.
Calculate my Mortgage Payment

Home Possible® & HomeOne® Mortgages

Wherever you are on the path to homeownership, Lake City Bank is here to help you take the next step. With Home Possible and HomeOne mortgages from Freddie Mac, you may be able to buy your first home sooner than you think.

Designed for First-Time Buyers

Both Home Possible and HomeOne mortgages feature:
• Low down payments
• Fixed rates
• The option to use gift funds for down payment and closing costs
• Higher loan-to-value (LTV) ratios than traditional mortgages

Which Option Fits You?

Home Possible: For first-time buyers who meet low to moderate income requirements. Offers reduced Private Mortgage Insurance (PMI) coverage for LTVs over 80%.

HomeOne: For first-time buyers with no income or geographic restrictions.

Mortgage Loan Inquiry

Thank you for your interest in a mortgage loan.

Lake City Bank opens mortgage and refinance loans in our market area only, which includes Northern and Central Indiana. However, Lake City Bank reserves the right to make exceptions to this policy based on the individual situation.

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HELOC

Put Your Home’s Equity to Work

Lock in a portion of your Home Equity Line of Credit with a five-year Fixed Rate Lock at 5.74% APR* — perfect for renovations, debt consolidation, or a big purchase.
Learn More

NMLS #431669.
*All loans are subject to credit approval.
Member FDIC

Local Guidance Every Step of the Way

Our local mortgage experts make the process simple — from application to closing and beyond. They know your market and are here to help you find the right fit. 

Mortgage Loan Originators

Jodi L. Hammond

Vice President and Mortgage Loan Originator

(260) 570-4757 Email
NMLS#: 466254

Jodi Hammond serves as Vice President, Mortgage Loan Originator. She started her career in financial services in 1999 and joined Lake City Bank in 2007.

Jodi enjoys volunteering for Junior Achievement through its JA in a Day and JA Biz Town programs.

Jodi serves Allen, DeKalb, Huntington, Noble and LaGrange counties.

Jodi L. Hammond

Vice President and Mortgage Loan Originator

NMLS#: 466254
Read more

Mark R. Rensner

Vice President and Mortgage Loan Officer

(574) 371-9238 Email
NMLS#: 466276

Mark Rensner serves as Vice President, Mortgage Loan Officer. He started his career in financial services in 1983 and joined Lake City Bank in 1998.

Mark earned his associates degree in accounting at International Business College.

Mark serves Whitley County.

Mark R. Rensner

Vice President and Mortgage Loan Officer

NMLS#: 466276
Read more

John “JJ” Foster

Assistant Vice President and CRA Mortgage Loan Originator

(574) 376-7214 Email
NMLS#: 2081071

John “JJ” Foster serves as Assistant Vice President, CRA Mortgage Loan Officer. He started his career in financial services in 2021 when he joined Lake City Bank.

JJ has focused his skills and talents on helping youth and families fulfill their potential and live higher quality lives. He continues to pursue his passion for improving the lives of families while working as CRA Mortgage Loan Officer at Lake City Bank.

JJ earned his bachelor’s degree in business management at the University of South Carolina-Coastal Carolina.

JJ serves across the bank’s footprint focusing on affordable mortgage loans.

John “JJ” Foster

Assistant Vice President and CRA Mortgage Loan Originator

NMLS#: 2081071
Read more

Hannah K. Gayhart

Assistant Vice President and Mortgage Loan Originator

(463) 257-3988 Email
NMLS#: 1701968

Hannah Gayhart serves as Assistant Vice President, Mortgage Loan Originator. She started her career in financial services in 2016 and joined Lake City Bank in 2025.

Hannah earned her bachelor’s degree from the University of Indianapolis.

Hannah serves Hamilton, Marion, and Johnson counties.

Hannah K. Gayhart

Assistant Vice President and Mortgage Loan Originator

NMLS#: 1701968
Read more

Patty Gorostieta

Assistant Vice President and Mortgage Loan Originator

(574) 356-4976, x42612 Email
NMLS#: #2821389

Patty Gorostieta serves as Assistant Vice President, Mortgage Loan Originator. She started her career in financial services when she joined Lake City Bank in 2026.

Patty is President of La Posada Immigrant Aid and a board member of the Tolson Community Center. She is passionate about strengthening her community through meaningful outreach and values the connection.

She earned her bachelor’s degree from UNILIB.

Patty serves across the bank’s footprint focusing on affordable mortgage loans.

Ella habla Español.

Patty Gorostieta

Assistant Vice President and Mortgage Loan Originator

NMLS#: #2821389
Read more

Anna A. Jimenez

Assistant Vice President and Mortgage Loan Originator

(574) 935-4200, x42389 Email
NMLS#: 1693765

Anna Jimenez serves as Assistant Vice President, Mortgage Loan Originator. She started her career in financial services when she joined Lake City Bank in 2006.

Anna is a member of Lake City Bank’s Inclusivity Committee, Junior Achievement and Leadership of Marshall County. She enjoys teaching young children about their communities and inspiring them to get involved.

Anna serves all of Marshall, Fulton, Pulaski and St. Joseph counties.

Ella habla Español.

Anna A. Jimenez

Assistant Vice President and Mortgage Loan Originator

NMLS#: 1693765
Read more

Todd E. Pequignot

Assistant Vice President and Mortgage Loan Originator

(574) 376-7009 Email
NMLS#: 532099

Todd Pequignot serves as Assistant Vice President, Mortgage Loan Originator. He started his career in financial services in 1996 and joined Lake City Bank in 2014.

Todd is president of Warsaw Education Foundation and enjoys working with his peers and helping others. He formerly served on the Executive Board of Directors as Treasurer for Baker Youth Club.

Todd earned his bachelor’s degree in English and a certificate in business studies at Indiana University Bloomington.

Todd serves all of Kosciusko County.

Todd E. Pequignot

Assistant Vice President and Mortgage Loan Originator

NMLS#: 532099
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Amanda M. Tom

Assistant Vice President and Mortgage Loan Originator

(574) 975-0068 Email
NMLS#: 740305

Amanda Tom serves as Assistant Vice President, Mortgage Loan Originator. She started her career in financial services in 2005 and joined Lake City Bank in 2014.

Amanda enjoys volunteering for Junior Achievement, working with students and guiding people in their understanding the responsibility of owning a home.

Amanda earned her associate degree in business management at Michiana College.

Amanda serves all of Elkhart County and parts of Kosciusko County, including Syracuse and North Webster.

Amanda M. Tom

Assistant Vice President and Mortgage Loan Originator

NMLS#: 740305
Read more

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Banking Tips & Insights

Is a HELOC a Good Idea?

If you’re a homeowner, you might be asking: “Is a HELOC a good idea?” A Home Equity Line of Credit (HELOC) can be a smart financial tool, but it’s important to understand exactly how borrowing against your home’s equity works.

Mistakes to Avoid for First-Time Homebuyers

Buying your first home is exciting, but it’s also one of the biggest and most complicated financial decisions you’ll ever make. While it’s fun to pick out paint colors and think about decorating, there are some important steps to take first. If you know how to avoid common first-time buyer mistakes, you’ll have a much smoother experience.