Getting a mortgage can be complicated. That’s why at Scott Credit Union we’re focused on helping you through the process. We work to take the stress out of buying a home or refinancing your existing loan. Through the help of our Home Loan Advisors, we will simplify the home loan process so you can focus on what really matters.

Find Your Home Loan Advisor

Please select your Home Loan Advisor from the list below based on the location of the property you are purchasing.

Tony-Bakalar-Home-Loan-Advisor Tony Bakalar
Home Loan Advisor
View Website
NMLS # 228088
101 Credit Union Way, Edwardsville, IL
Office: (618) 632-1111
Cell Phone: (314) 503-7531
Email: [email protected]
Counties Served:
St. Louis County
St. Clair
(West of IL-158)
Branches Served:
East Belleville
Fairview Heights
West Belleville
Eric-Waltenberger-Home-Loan-Advisor Eric Waltenberger
Home Loan Advisor
View Website
NMLS # 279014
101 Credit Union Way, Edwardsville, IL
Office: (618) 632-1111
Cell Phone: (618) 920-3348
Email: [email protected]
Counties Served:
(North of I-270/70)
Branches Served:
Home Office
Wood River
Shannon-Wills-Home-Loan-Advisor Shannon Wills
Home Loan Advisor
View Website
NMLS # 400691
101 Credit Union Way, Edwardsville, IL
Office: (618) 632-1111
Cell Phone: (618) 741-8052
Email: [email protected]
Counties Served:
(South of I-270/70)
St. Clair
(East of IL-158)
Branches Served:


The following Home Loan Advisors work together to
cover the remaining counties in our field of membership.

Traci Ovelgoenner
NMLS # 1135782

Diane Thole
NMLS # 1205494

101 Credit Union Way, Edwardsville, IL
Office: (618) 632-1111
Email: [email protected]

Counties Served:

Mortgage Information

Features at a glance

  • Programs with little or no down payments
  • Fixed rate programs
  • Adjustable rate programs
  • FHA Loans
  • VA Loans
  • Responsive team committed to a fast turnaround
  • Extensive mortgage lending experience
  • Serving the financial needs of our members for over 70 years

Scott Credit Union has a full service mortgage department and offers a wide range of products. The credit union strives to match our members’ needs with a loan product that suits their financial goals.

We pride ourselves on offering loan products featuring competitive rates and flexible terms. We are always working to develop new products and services to meet the ever-changing needs of our members.

Our experienced Mortgage team originates, processes, and closes loans in a timely and professional manner. In addition to providing members with the best possible service and product, we also understand the needs of local realtors and developers. We work to maintain professional relationships that are mutually rewarding.

Scott Credit Union has made substantial investments in personnel, technology, and training in order to provide our members, realtors, and developers the best and most efficient service possible.



Click here for a current list of Mortgage Loan Originators that are registered with NMLS.

Mortgage Options

Types of loans we offer include

FHA Loans

These loans offer some additional flexibility over traditional mortgages. If you’re looking to purchase a single-family or multi-family home that you intend to reside in, then an FHA Loan might be the right option for you. One of our Home Loan Advisors can assist you if you have questions about the details of an FHA Loan.

VA Loans

We take pride in our military history and are proud to offer VA Loans to help our military members become homeowners. When you take out a VA Loan, a portion is guaranteed by the VA. This allows a veteran to have little or no down-payment as well as receive lower interest rates than other types of home loans.

Fixed Rate Loans

Fixed rate loans offer the comfort and security that your rate will never change. We offer the flexibility of terms from as little as 5 years up to 30 years depending on your needs.

Construction Loans

We’re proud to now offer construction loans at competitive low rates. These loans allow you to get your home construction process off the ground.