Jody Pence

Jody has over 27 years of banking experience—the last 11 years at Union Bank & Trust in Crete. Having been born, raised, and working in Crete for most of these years, she is familiar with the community, its people and their needs. As the Crete community has become more diverse, she has recognized that communication can be difficult.  To make this easier, Union Bank has bi-lingual staff, offering help in many different languages.

Jody understands the importance of offering extraordinary personal service and she's here to help you with all your mortgage loan needs now and in the future.  Whether you are purchasing a new home or refinancing your current home, Jody will do whatever possible to make this as convenient as possible.  She'll take your loan application in person, by phone, fax, or via her website.  The choice is yours!

Free Pre-approvals
Realtors and sellers alike will be more willing to negotiate if they know that you have your financing already approved. Union Bank offers free pre-qualification to let you know how much house you can afford, how much the payments will be, and how much down payment you will need.  This information gives you a great deal of security when making an offer.

Variety of Loan Programs and Great Rates
Union Bank & Trust does not offer “cookie cutter” loan programs, because every customer has their own unique situation.  Jody will work to find the best loan program for you and your special needs.   A few of the products offered include: conventional loans, government loans, NIFA loans, construction financing with long-term lock options, jumbo loans, 100% financing options, and 30-year fixed rate second mortgages.