Mortgage Loan Officers

Michael Farber , Officer | Mortgage Banker
BMO Harris Bank 

The BMO Harris Physicians’ Mortgage Program Flyer

608-316-0339 or 


Why Rent?  Buy Instead! Physicians, Resident & Fellowship Mortgage Program

At BMO Harris Bank, we believe caregivers deserve extra care, especially when it comes to home buying. That’s why we’re now offering the BMO Harris Physicians Mortgage Program.

Open to residents, fellows and existing or newly licensed medical doctors. The program is designed to help eliminate many of the roadblocks to mortgage financing faced by physicians.

We put property within reach with features like:
  • No income history requirement (proof of future income, like residency or employment contracts, is required)
  • Flexible debt-to-income underwriting guidelines
  • No private mortgage insurance requirement
  • The ability to borrow up to 100% of the home’s value
  • A 0% down payment with maximum loan amount of $750,000 or 10% down payment from $750,000 to $1,500,000
Other advantages:
  • All standard fixed- and adjustable-rate mortgage products are available
  • No special fees or premiums for program participants
  • Available for new purchase or refinance
  • Can close 60 days prior to starting new position
  • Various property types are allowed

For more information or to schedule a meeting, please call Michael Farber at:

608-316-0339 or 



Associated Bank Number of Referrals: 3
Address: Multiple Locations




Jason Engledow (Vice-President, Residential Lending) Referred By: Steve Mayer, House Staff
Number of Referrals: 3
Expires: 08/31/2010

3002 Fish Hatchery Rd. (Fitchburg)
Phone:(608) 278-2450, Cell:(608) 335-5507 , Fax:(608) 274-3656,

According to one of the residents who recommended him, “He was professional, courteous, knowledgeable, etc.” In addition, “I found him to be very understanding of the resident’s lifestyle and goals i.e. my hectic schedule, small resident salary and massive student debt. Jason treated us as more than just a mortgage refinance, he helped my husband and myself make a sound financial decision, and he made it as easy as possible.” Another resident states, “he helped me secure a home loan where other banks just turned me away because of my student debt. He was fantastic to work with and very professional.

Offers a $200 closing credit.


Mike Fumelle Referred By: Melissa Ertl, House Staff
Number of Referrals: 1
Expires: 09/12/2011

3002 Fish Hatchery Rd. (Fitchburg)

“Mike was fantastic to work with. With the recent credit/housing crunch, I was unable to find ANYONE who would provide 100% financing to a new physician with nearly 200k of educational debt… Mike Fumelle was the only person who was able to help me, and he really went above and beyond to get me the best possible mortgage for my situation. Also, as a first time home buyer who knows next to nothing about financial lingo, Mike was incredibly patient with me and made sure I understood everything, every step of the way. Thanks to him, I’m going to be living in my dream first home! He is very interested in working with medical residents, and I would highly recommend him to anyone in the market for a mortgage!”



Fairway Independent Mortgage Corporation Referred By: Joanna Marks, Spouse
Number of Referrals: 1
Expires: 01/21/2011


Office: 608-834-1333 x 14




Annisa Baker Referred By: Joanna Marks, Spouse
Number of Referrals: 1

Phone:Office: 608-834-1333 x 14 ,

I pride myself in making sure my clients are well informed throughout the mortgage process & will do what it takes to get the job done. I’ve been helping people with their Mortgage needs for the past 10 + years. I specialize in all types of loans such as Conventional, Rural Housing, WHEDA, FHA, VA, Jumbo and Interest-Only. I will go the extra mile to find the right product to fit their needs whether they’re a first time homebuyer or a seasoned one!

“Annisa is very helpful and offered us many options without any pressure.”


M&I Bank Number of Referrals: 7


(888) 464-5463

M&I understands that your future income potential is very strong. Creative financing programs are available for residents/fellows, including more liberal underwriting guidelines and discounted closing costs ($195). For examples, see M&I’s UW Resident Home Mortgage Program and Neighborhood Home Loan Program.



John Pelletter Referred By: Ryann Crylen, House Staff Spouse
Number of Referrals: 3
Expires: 03/26/2007

401 N. Segoe Rd. (Westside)
Phone:(608) 231-5697,

Has worked with UW residents since 1992. Recommended by several residents. One commented, “He was very helpful and incredibly easy to work with. It was our first mortgage and he made the process easy and painless!”


Mike Shea, (Assistant Vice-President) Referred By: Jeffrey Malik, House Staff & Kylee Carolfi House Staff Spouse
Number of Referrals: 2
Expires: 03/08/2010

401 N. Segoe Rd. (Madison at Hilldale)
Phone:(608) 231-5607, home (608) 836-5147 (call anytime),

Madison native. 15 years of real estate lending experience. According to one of the residents who recommended him, “Mike was a fantastic resource during my first mortgage experience. He went out of his way to make things work, including avoiding PMI! My realtor said he was the best banker he’s ever worked with.”

Another said, “When shopping around for a mortgage, Mike Shea really connected with us, discovered what we needed, and sought out the best fit. He was amazingly kind, spending 30+ minutes on the phone with us “first home buyers” answering questions and explaining the new vernacular of home loans.”


Madision Financial Referred By: Ahish Mahajan, House Staff
Number of Referrals: 3
Expires: 03/18/2013
Address: 6510 Grand Teton Plaza, Ste. 202 Madison 53719
(877) 256-4261

Madison Financial is a full-service mortgage brokerage firm. They offer a full range of mortgage services, from loans for first-time buyers to refinancing and construction lending. The company is a member of the Better Business Bureau and the Madison Chamber of Commerce.

According to the resident who referred Christian, “Christian was one of the few mortgage brokers who worked with us right after match day with only a vague employment contract. He explained the process in detail and was very professional.”



Christian Gridley, President Referred By: Miriam Shelef, House Staff
Number of Referrals: 2
Expires: 02/15/2010

Phone:(608) 833-3838, Fax:(608) 833-3928,

According to the resident who recommended him, “Christian not only offered the lowest rates and lowest closing costs (after an extensive search for the best rates and lowest costs), but he helped us navigate a complicated selling/purchasing scenario, was very patient in explaining options, and was great about answering our phone calls.”

He offers $500 off of closing costs for all House Staff.


RMI Mortgage Number of Referrals: 1
Expires: 12/04/2014

RMI Mortgage prides itself on efficient and highly personalized service. RMI Mortgage provides maximum flexibility in financing choices at the most competitive interest rates, and can assist with the entire spectrum of the mortgage process. Additionally, RMI Mortgage provides counseling on credit and qualifications, and arranges and coordinates the mortgage closing. Whether you are buying a new home or refinancing your existing mortgage, their dedicated team members are committed to satisfying your home financing needs.



Chris Zimmerman Referred By: Erik Bowman, House Staff
Number of Referrals: 1
Expires: 12/04/2014

478 Commerce Dr., Ste 201, Madison, WI 53719

“When we moved to Madison we were working with a couple of big name banks who made many promises and on the surface seemed to have it all together. However, despite their assurances and guarantees they were unable to come through on a mortgage. A few of my internal medicine resident colleagues recommended Chris as he had secured mortgages for them when no one else could do it for them (especially with the student loans issues!). He made the process very understandable and was always honest and straightforward with us. We have just refinanced our home with him and again were nothing but impressed in his professionalism and easy going personality. My wife and I give him our strongest recommendations to any residents and fellows looking to buy a home or re-finance.”


Town Bank Referred By: Ahish Mahajan, House Staff
Number of Referrals: 1
Expires: 03/18/2013




Linda Wankerl Referred By: Ahish Mahajan, House Staff
Number of Referrals: 3
Expires: 03/18/2013

10 West Mifflin Street, Madison
Phone:608-282-4830, Fax:877-340-4830,

The resident who recommended Linda, described her as “fantastic.” Linda also assists with relocation needs and has many realtor and vendor contacts.

Another resident states, “Linda processed our mortgage easily and professionally when we moved to Madison. She was there again at the end to answer questions about selling the place, refinancing, and other options.”

Another resident says, “She’s very attentive to the needs and responsibilities of a resident. Has worked with multiple other residents. Did an outstanding job in helping up secure a loan. ”


U.S. Bank Number of Referrals: 1


(800) 709-1700

Offers several special programs for residents. For example: 0% down payment without a third-party guarantee; borrow up to 105% for appliances; No Asset, No Income Program–requires a down payment; and 100% financing.



Georgia DeFever Referred By: Elisha Spier, House Staff Spouse
Number of Referrals:
Expires: 03/22/2010

8000 Excelsior Dr. (Westside)
Phone:(608) 827-2710,

“Georgia doesn’t leave room for surprises; she is very thorough. She goes over the entire mortgage line by line, so that you know what you are paying at the time of closing. She definitely has your best interest in mind and will help you make a well-informed decision as to when to lock in your rate,” explains the person who recommended her.