Recent market conditions have created a high volume of mortgage applications and mortgage department calls and emails. A DuTrac Mortgage Loan Officer will respond to your request as soon as possible. We look forward to serving you. Thank you for choosing DuTrac Mortgage.

Whether you are purchasing a new home or refinancing your existing home, a DuTrac Mortgage is designed to be built from the ground up. It is not a pre-packaged, one size fits all mortgage…but instead, a DuTrac Mortgage offers a variety of types and terms, giving the home financing process real curb appeal.

Advantages of a DuTrac Mortgage:

  • Local underwriting & loan servicing
  • Own your dream home for as little as 3% down**
  • Variety of mortgage types
  • Variety of mortgage terms
  • Flexible financing

DuTrac’s real estate lending options include:

**Example terms of repayment based on loan amount of $150,000, 30-year fixed rate mortgage at the stated rate of 3.8052% APR equals 360 payments of $4.68 per $1,000 borrowed. 3% down options applies only to 30-year fixed mortgages.

DuTrac Mortgage Team

Schedule a DuTrac Mortgage consultation by contacting DuTrac’s real estate lending team today by email at, in person at any of DuTrac’s convenient locations or by phone at (563) 582.1331 or (800) 475.1331.

DuTrac’s Real Estate Lending Team –
Celeste Hefel
Office Phone: (800) 475.1331
“Whether you are looking to buy your first home, refinance your current home or expand into a vacation or second home, DuTrac Mortgage provides a variety of lending options to meet your needs. In my years of experience with DuTrac and the mortgage lending industry, I have always strived to meet your needs, helping you achieve your goals.”
Apply online.
Kyle Pfeiffer
Office Phone: (800) 475.1331
“When looking to purchase a home, getting pre-qualified is an important first step. I encourage members to contact me for a no-cost, no obligation appointment to review the details, find the best financing options and answer any questions you may have.”
Apply online.
Julie Soucinek
Office Phone: (800) 475.1331
“Purchasing or refinancing your home can feel overwhelming if you do not have the right mortgage professional to help you through the process. With over 13 years of mortgage lending experience in combination with the products and services that DuTrac Mortgage offers, you can be confident the process will go smoothly. I have helped many people open the door to home ownership and look to educate you on the available options that best meet your financial needs. I will work with you every step of the way — from application to closing. Please contact me today to begin your journey to home ownership, I look forward to working with you.”
Apply Online.

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