Home Equity Line of Credit
A home equity line of credit, also known as a HELOC, allows you to borrow against your home’s equity. Our variable rate home equity loans are easy, affordable, reusable and offer a variety of financial benefits for homeowners.
Jim has 27 years of banking experience. He is responsible for all aspects of the bank’s retail lending other than owner-occupied first mortgages. This includes business development, origination, underwriting and servicing. The loan products include home equity lines of credit, auto, boat and RV loans, and unsecured loans. Jim will also be working with small business clients to meet their credit needs as well.
Jim holds a BS in finance from Western Illinois University. He lives in Ladd with his wife Tammy. They have two grown daughters.
Audrey has been with Twin Oaks Savings Bank, now Ottawa Savings Bank, for nine years. In addition to her duties as Assistant Branch Manager and Teller Supervisor, Audrey provides loan products that include home equity lines of credit, auto, boat and RV loans, and unsecured loans at the Marseilles branch. Audrey is a graduate of the Community Banking Association of Illinois Consumer Lending Institute and the Community Bankers School. She holds a Bachelor of Science degree in Finance from Devry University and is a member of the Career Development Division of the CBAI.
Brandi Stelmack has been with the Ottawa Savings Bank for over 5 years. In addition to her duties as Assistant Branch Manager and teller supervisor in Morris, Brandi serves as the branch’s primary consumer lender, focusing on home equity lines of credit as well as automobile, boat, RV and unsecured personal loans. Brandi enjoys working with her customers, assisting them in finding accounts and products that fit their needs. She is also very active in the community and serves as an Ambassador for the Grundy County Chamber of Commerce.