Your homebuying dream team is ready! This team brings years of industry knowledge and a commitment to being there whenever you need them. From your first question to your final signature, they’ll respond quickly and guide you confidently through every decision.
Whether this is your first time with the building process or you are designing your dream home at the beach, you need someone to assist with each milestone of the process. Loan officers help you make your dream a reality and also lend their expertise with the building process.
Unlike traditional loan officers, construction specialists speak the language of builders, architects, and contractors. They know how to structure loans that adapt to your build timeline, manage multiple disbursement phases, and handle the unexpected changes that often come with construction projects. Their expertise means faster approvals, smoother coordination with your builder, and solutions to construction-specific challenges that would stump a regular loan officer.
Profiles of Dan Lord and Nikki Shenk
Dan Lord brings nearly 30 years of experience in mortgage lending to the table. His extensive knowledge and network have positioned him as a key figure at Fulton Bank. Based in Mechanicsburg, he has developed strong connections with clients and partners, emphasizing communication and results.
Nikki Shenk joined Fulton Mortgage Company in 2023. With 11 years in the industry, she specializes in Physician Loans and Construction-to-Perm. Nikki speaks at builder events and serves on the local Builder Association Executive Board.
They can consult on the items below. Please contact them directly to discuss your building timeline and budget.
- Draw schedule management – coordinating fund releases at each construction phase
- Builder relationship navigation – understanding contracts, timelines, and construction terminology
- Inspection coordination – managing required inspections before each disbursement
- Construction-to-permanent loan structuring – seamless transition from build to mortgage
- Budget oversight – helping manage costs and changes throughout the build
- Risk mitigation – identifying potential issues before they become costly problems
Advantages of Working with Mortgage Professionals
Expert Guidance
Mortgage professionals bring extensive knowledge and expertise to the table. They stay updated on the latest market trends and loan products, helping you understand complex mortgage terms and conditions. With their insights, you can make informed decisions about loan options that suit your needs. This expertise is especially valuable when dealing with fluctuating interest rates and changing market conditions.
Contact Information for Dan Lord and Nikki Shenk
To reach Dan Lord at Fulton Mortgage Company, you can visit his LinkedIn profile. He is active in the Mechanicsburg area and shares updates on new mortgage offers and products.
Nikki Shenk is a Mortgage Loan Officer at Fulton Mortgage Company. You can learn more about her role and services on her official page.
Mobile: 717.580.5097
LinkedIn page
Steps to Begin Your Mortgage Process
1. Contact Dan or Nikki
Reach out to Dan or Nikki to start. You can call Dan at 717.265.5955 or email him to discuss your needs. For Nikki, visit the Fulton Bank website for contact details.
2. Initial Consultation
Before meeting with a builder (or during the first consultation) you will need to know your construction budget. This can be completed with a prequalification letter. This process will confirm your financial ability and which upgrades can fit in your budget.
3. Prequalification
This is only the first step, you will consult with your loan officer as you continue to design your home. Do not forget to consider items such as septic, well and permits. New homes also need appliances – be sure to ask your builder if they are included in your package.
Finalizing the Loan
Once they building contract is signed, you will provide the contract to your loan officers. This is where the loan officially begins. Once the loan closes, your building can start construction. Make sure you allow enough time before the build to get permits. Each county will vary on timing, so it best to ask these question upfront.
Additional Considerations specific to new builds
Work on a checklist of must-have features for your new home. Consider location, size, and amenities. Research neighborhoods to find the best fit for your lifestyle. Perhaps you want to start collecting pictures of dream kitchens and colors to share with your builder.
Don’t forget about additional costs like property taxes, home insurance, and maintenance. Knowing these can prevent surprises later on. Some banks will also require builder risk polices. Your loan office can advise you on what will be needed throughout the process.
