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Meet Our Toledo, OH & MI Team

Tom Hogrefe

Loan Officer
NW Ohio & SE Michigan

Pamela Koester

Loan Officer
NW Ohio & SE Michigan

Apply now for a better mortgage experience through Encompass:

Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.

Just click the apply button to get started!

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Home Savings Bank, Corporate Headquarters

275 W. Federal St., Youngstown, OH 44503

330.742.0500    |    1.888.822.4751    |     webmail@homesavings.com

NMLS #494727    |    MEMBER FDIC