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Janet Bretland
Loan Officer
Phone: (937) 440-8427
Cell Phone: (937) 875-0645
Fax: (937) 339-1457
Email: janet.bretland@ncmc.com

You Can Apply Online Right Now

Janet's continued success rests with the fact that few loan officers can parallel her knowledge and experience to ensure you a successful and pleasant experience. Her twenty three years within the Mortgage and Real Estate community make her a valuable source of information, and she is highly respected and recommended by her clients as well as many of the top Realtors in the area.

"Whether you are purchasing, refinancing or building a new home here, or anywhere in the United States, my goal is to find the program that will be most beneficial to you and to help you through this process in an honest, upfront and respectful way." Please fill out your application with confidence knowing that your loan will be handled with the expertise and discretion you deserve. I look forward to earning your trust.

Reward Yourself!

Click the link below to learn how you can earn
50,000 Points with your National City Mortgage.

Get 50,000 Points With a Mortgage from National City

First Home?
Vacation Home?Remodeling?
Cash Out Equity?Construction Loan?

Whatever you need, the possibilities are endless and I can make them happen!

Compare Mortgages

Click here for a Mortgage Comparison

It's confusing.

ARM loan?
Conventional?
No Doc?
Which is right for you?

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The quicker we get started, the quicker we can make your dream
of homeownership a reality.

Click the "Start App" button to access our online application.
It's easy and it's fast.

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Mortgage Documents

- W-2 Forms (2 most recent)

- Two current pay-check stubs

- Tax Return for the past year

- Bank Statements (previous two months)

- Stocks owned, or certificates

- Purchase & Sale Agreement (when available)

- Divorce decree

- Relocation contract, if applicable

- Bankruptcy papers, including discharge, if applicable and less than 10 years.

- Additional income you would like us to consider in approving your financing

Have You Checked Out National City Bank?

National City Bank is a preeminent financial service provider throughout the Midwest.
Wealth Management Service - Trust these professional asset managers to safeguard your future.
Checking -The bank offers plans to suit your lifestyle!
Points Rewards - Earn Rewards for your accounts
Elite Visa Cards - Get POINTS Rewards

Take Advantage of This Valuable Free Information for Homebuyers

How much can I borrow?	How much will my payments be?	Fixed or adjustable rate?	Should I pay points to lower the rate?	Which is better - 15 or 30 years?
How much for my downpayment?	Should I refinance?	What are refinancing costs?	How can I reduce mortgage payment?	Which loan is better?
How do extra payments help?	What home can I afford?	Obtaining a pre-qualification	Selling your home	Negotiating a lower price
Downpayment Assistance	Refinancing Options	Documents you will need	Compare Mortgages	Bi-Weekly Mortgages

*All purchase money mortgages and refinanced first mortgages offered by National City Mortgage, a division of National City Bank, are eligible, but only one 50,000 point reward is available for each points from National City account. Certain conditions apply. Mortgage loans are subject to credit approval and property appraisal. Mortgage programs are subject to change without notice.

Contact Information:
Troy
1855 Towne Park Dr
Suite A
Troy, OH 45373

Phone:	(937) 440-8427
Cell Phone:	(937) 875-0645
Fax:	(937) 339-1457

Email: janet.bretland@ncmc.com