Experienced Dayton Mortgage Lender Helping You Buy, Build, or Refinance

Considering refinancing, purchasing, or building a new home? I’m Wendy Kull, and I’m here to help you navigate every step of your mortgage journey with confidence. With over 23 years of experience in the mortgage industry, I’ve worked with several lenders—but for the past 15 years, I’ve personally trusted Union Savings Bank for all my own mortgage needs. That’s why I’m proud to offer the same unbeatable value to my clients, friends, and family.

As a mortgage lender in Dayton, Ohio, I serve the Centerville community and beyond, offering lending solutions nationwide. Whether you’re buying your first home, building your dream house, or looking to refinance, I’ll help you find the best path forward.

Union Savings Bank offers an exceptional suite of loan products, including Conventional, FHA (info), VA (info), USDA (info), and portfolio loans. We specialize in options that meet both standard and outside-the-box needs. Our exclusive Blanket loan (info) is a game-changer in competitive markets—it allows you to buy a new home before selling your current one. It even works for new construction!

I believe in treating every borrower the way I’d want to be treated—something I call the Kull concept. I understand how overwhelming the mortgage process can feel, and my goal is to make it as simple, transparent, and stress-free as possible.

📞 Contact me anytime to talk through your options or complete a quick application using the link below. Let’s find the financing solution that fits you best—together.