March, 2021
March 2021 Interest Rates
25 Year Rates
3.05% - Standard
3.09% - Refinance
20 Year Rates
3.00% - Standard
3.05% - Refinance
10 Year Rates
2.70% - Standard
It’s March, and you know what that means…..MARCH MADNESS 2021!

Join EDF in our Bracket Challenge. There is no cost to participate and the winner(s) will receive a $100 gift card to the small business of their choice! To participate, please click here. Simply complete the bracket prior to the start of the tournament and you will be entered to win! Weekly updates will be sent out throughout the tournament!

May the March Madness begin!
Schedule a Zoom Call with One of Our Lenders
to Learn About the 504 Loan Program and Recent Changes!
EDF has three loan officers covering the State of Michigan and we are anticipating there to be a lot of questions regarding the new legislation. We are anxious to learn more and share it with you! If you would like to schedule a time for one of lenders to meet with your group, please connect with the appropriate loan officer below to schedule a time.
West Michigan Market


Bradd Pierce
(616) 323-1277
East Michigan Market


Tom Bell
(810) 202-1750
Northern Michigan and Lansing Market

Kelly Schramski
(734) 821-7280
Lender Leader Board
FY 2021
EDF would like to thank all of the lenders that have had loans authorized with us in FY 2021. At the end of our current fiscal year (09/30/2021), the lending institution with the most loan approvals will receive EDF's Lender of the Year Award.
EDF Team
Julie Parker
President
(616) 323-1273


Gary Witkowski
VP of Loan Operations
(616) 323-1275



Sales Department
Bradd Pierce
Senior Loan Officer
West Michigan Market
(616) 323-1277

Tom Bell
Loan Officer
East Michigan Market
(810) 202-1750


Kelly Schramski
Loan Officer
Northern Michigan and Lansing Market
(734) 821-7280



Credit Department
Amy Dubridge
Loan Officer
(616) 323-1279

Daniel Reyes
Underwriter
(616) 323-1271


Closing Department
Kyle Wilson
Director of Closing Operations
(616) 323-1272

Abbey Byrne
Closing Manager
(616) 323-1274

Michelle Vargo
Closing Specialist
(616) 323-1278



Servicing Department
Laura Seromik
Servicing and Compliance Manager
(616) 323-1273




Copyright © 2020. All Rights Reserved.