Lets Get Started

I believe that no two clients—or loans—are the same. Whether you're buying your first home, building your dream home, or refinancing for a better rate, I’ll walk you through the process with clear communication and trusted advice every step of the way.

My goal is to make the mortgage experience smooth, stress-free, and tailored to your needs.

Let’s make your next move a confident one.

Directions: Toledo, Ohio

Phone: 419-350-3550

Email: jhernes@directionscu.org

Office: 200 N. Saint Clair St., Suite 1600, Toledo, OH 43604

Fax: 419-517-1135