Josh Culotti, AGT - American Family Insurance

Heritage Bank serves customers like you. Your neighbors. The couple who owns the storefront across town. The customers we serve bring their unique heritage—and unique needs—to our bank. To help our customers achieve their goals, we offer a complete array of banking services and tools for businesses as well as individuals. Our focus is on our communities: helping customers in our local markets build their heritage.

Christine proudly serves clients in all 50 states. Christine has 22 years of experience as a Senior Home Lending Advisor and specializes in preapproval, vacation home financing, FHA and VA mortgages, condo and co-op lending, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Christine is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Christine can help you get a clear picture of what might work best for you. Christine will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Christine wants to ensure that you have a positive home lending experience.