Your Loan Team Experts have over 40 years of experience in the mortgage industry and will confidently advise clients on all of their mortgage needs. At Hillcrest Bank, our team understands how important the home loan process is, working to make it simple and stress-free! Whether you’re buying your first home, refinancing your current home, or moving up to your dream home, they will walk you through the process every step while understanding your unique financial goals.

Clients rely on our Team’s expertise, as Certified Mortgage Advisors, to help them find the right solution for their families. Our Team’s knowledge enables us to effectively advise the first-time homebuyer and the seasoned investor, and we understand the complicated tax return client too!

Picture of Cheri Zaberer

Picture of Julie Nichols

 

Cheri Zaberer

Sr. Mortgage Banker

NMLS# 1211563

Office: 630.803.0511

Email Cheri

 

Apply with Cheri

 

Meet Cheri

I’m originally from a small farm town in Michigan and later moved with my family to Arizona, where I met my husband Rick and later relocated to Texas. We’ve been together for over 30 years, and have raised two wonderful kids. Both our daughter Ashley and our son Rick are Texas Tech Alumni so a piece of my heart will always be in West Texas. Wreck ‘em! My passion for running has allowed me to complete 15 marathons as well as qualify for the Boston Marathon. When I’m not at work, I can be found outside running, biking, or on a beach in Florida with our rescue dog, Beau.

 

Julie C. Nichols

Sr. Mortgage Banker

NMLS# 280620

Dallas: 214.616.4549 | Austin: 512.953.7071

Email Julie

 

Apply with Julie

 

Meet Julie

While born in California, I have lived in Texas since 1973 and enjoy the weekend wind therapy riding my 2013 Heritage Softail after a tough week in the office. I have a bachelor’s degree in Math/Computer Science from UTA and 2 adult children; My daughter Amanda (married with a beautiful baby girl) who graduated from Oklahoma State University, working in the tech industry, and my son Brian (also married) who received an appointment and graduated from the US Merchant Marine Academy with a degree in Marine Nuclear Engineering and working as a commercial flight instructor.

Picture of Cheri Zaberer

Cheri Zaberer

Sr. Mortgage Banker

NMLS# 1211563

Office: 630.803.0511

Email Cheri

 

Apply with Cheri

 

Meet Cheri

I’m originally from a small farm town in Michigan and later moved with my family to Arizona, where I met my husband Rick and later relocated to Texas. We’ve been together for over 30 years, and have raised two wonderful kids. Both our daughter Ashley and our son Rick are Texas Tech Alumni so a piece of my heart will always be in West Texas. Wreck ‘em! My passion for running has allowed me to complete 15 marathons as well as qualify for the Boston Marathon. When I’m not at work, I can be found outside running, biking, or on a beach in Florida with our rescue dog, Beau.

Picture of Julie Nichols

Julie C. Nichols

Sr. Mortgage Banker

NMLS# 280620

Dallas: 214.616.4549 | Austin: 512.953.7071

Email Julie

 

Apply with Julie

 

Meet Julie

While born in California, I have lived in Texas since 1973 and enjoy the weekend wind therapy riding my 2013 Heritage Softail after a tough week in the office. I have a bachelor’s degree in Math/Computer Science from UTA and 2 adult children; My daughter Amanda (married with a beautiful baby girl) who graduated from Oklahoma State University, working in the tech industry, and my son Brian (also married) who received an appointment and graduated from the US Merchant Marine Academy with a degree in Marine Nuclear Engineering and working as a commercial flight instructor.

Picture of Cheri Zaberer

Cheri Zaberer

Sr. Mortgage Banker

NMLS# 1211563

Office: 630.803.0511

Email Cheri

 

Apply with Cheri

 

Meet Cheri

I’m originally from a small farm town in Michigan and later moved with my family to Arizona, where I met my husband Rick and later relocated to Texas. We’ve been together for over 30 years, and have raised two wonderful kids. Both our daughter Ashley and our son Rick are Texas Tech Alumni so a piece of my heart will always be in West Texas. Wreck ‘em! My passion for running has allowed me to complete 15 marathons as well as qualify for the Boston Marathon. When I’m not at work, I can be found outside running, biking, or on a beach in Florida with our rescue dog, Beau.

Picture of Julie Nichols

Julie C. Nichols

Sr. Mortgage Banker

NMLS# 280620

Dallas: 214.616.4549 | Austin: 512.953.7071

Email Julie

 

Apply with Julie

 

Meet Julie

While born in California, I have lived in Texas since 1973 and enjoy the weekend wind therapy riding my 2013 Heritage Softail after a tough week in the office. I have a bachelor’s degree in Math/Computer Science from UTA and 2 adult children; My daughter Amanda (married with a beautiful baby girl) who graduated from Oklahoma State University, working in the tech industry, and my son Brian (also married) who received an appointment and graduated from the US Merchant Marine Academy with a degree in Marine Nuclear Engineering and working as a commercial flight instructor.

Picture of Olivia Ware

Olivia Ware

Mortgage Banker

NMLS# 2037734

Office: 714.747.4706

Email Olivia

 

Apply with Olivia

 

Meet Olivia

Although I am originally from southern California, my parents found Texas as their new home when I was a sophomore in college at Northeastern University in Boston (a city I love to visit often). While in my Senior year of high school I was honored to be named an NSCAA High School All-American and the NSCAA California High School Soccer Player of the Year and was recruited by Northeastern University as a forward where I played D1 soccer. I also enjoy running and completed my first half marathon not too long ago. In my downtime, I enjoy cooking and discovering new restaurants.

Picture of Rick Zaberer

Rick Zaberer

Mortgage Banker

NMLS# 2408656

Office: 972.800.2041

Email Rick

 

Apply with Rick

 

Meet Rick

I was born and raised in Northern Texas then headed West to Lubbock for college. I attended Texas Tech University on a Presidential Academic Scholarship where I was on the Dean’s List until graduating with a degree in Business from the Rawls College of Business. Outside of work, I enjoy spending time outdoors hunting, kayaking, or smoking meat for my friends and family. I also have a passion for volunteering with various organizations because I believe it is important to give back and lift up others in our communities.


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Our Process

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Buying

I will help you find the perfect solution to help you meet your financial goals.

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Refinancing

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