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Kenneth Czarnik

NMLS#195012

Mortgage Loan Originator,

Mortgage Lending

314-450-2703

kczarnik@4thebank.com

With over 15 years of experience in the mortgage and financial industry, Ken is committed to excellence in customer service throughout the home loan process. Whether assisting a purchase or a refinance, he believes in educating his clients with the knowledge of the mortgage market and the home loan products available to accomplish their short-term and long-term goals.

My educational background includes a bachelor of science in business administration from the University of Missouri. How is that important to homeowners? With the volatile lending market, it is critical to have someone who takes the time to learn their business inside and out and will be able to guide them through the home loan process seamlessly.

The mortgage industry is constantly changing. It is now more important than ever for homeowners to have all the purchase and refinance home loan options available to obtain the most beneficial home loan financing and savings. TheBANK of Edwardsville, “The People You Know & Trust” is not just a slogan, but a reflection of TheBANK’s 148 year history and its tradition of offering homeowners stability, confidence and satisfaction.

It’s my top priority to provide homeowners the most beneficial home loan financing when purchasing a new home. It is also a priority to continue my relationship with my homeowners by analyzing their entire financial position. It could lead to lowering our homeowner’s payment, showing them how to free up thousands of dollars in cash both up-front and long-term while potentially reducing the homeowner’s taxes and term – thereby eliminating debt faster and saving thousands of dollars in interest over the life of their home loan.

I understand the worries of obtaining a mortgage and offer an unparalleled level of communication to keep the client aware. Whether it is for the purchase of a new home or a refinance, I am always available for my homeowners any time, any day, during the week or weekend. This level of service has provided me with a loyal customer base of homeowners and it’s been that way for generations.

With dedication and energy, I strive to form lifelong relationships with my clients. I believe that a better understanding of the mortgage market and of debt management will empower my clients to not only achieve their short-term goals but also their long-term dreams. I understand that at different times of their lives, people have different priorities, ranging from first-time home purchase, to college education, to elder care. Homeowners may be interested in investment or second homes and with my experience and training, I can provide all their home loan needs.

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