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!

Cheri Zaberer
Sr. Mortgage Banker
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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 over 30 years, and have raised two wonderful kids. Both our daughter Ashley and our son Rick are Texas Tech Alumni’s so a piece of my heart will always be in West Texas. Wreck ‘em! My passion for running has allowed me to completed 15 marathons as well as qualifying 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.

Click here to apply with Cheri.

NMLS# 1211563

Julie C. Nichols
Sr. Mortgage Banker
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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.

Click here to apply with Julie.

NMLS# 280620

Rick Zaberer
Mortgage Banker
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Meet Rick

I was born and raised in North 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 meats 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 to lift up others in our communities.

Click here to apply with Rick.

NMLS #2408656

Olivia Ware
Mortgage Banker
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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 down time, I enjoy cooking and discovering new restaurants.

Click here to apply with Olivia. 

NMLS# 2037734

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