Mortgage Services

Whether you've found the perfect home or are just starting the search, complete our application and we'll issue an approval for a mortgage loan now with no obligation! Our friendly and knowledgeable Loan Officers are happy to assist you. Please click on a link below to start the mortgage application process.

Loan Officers

Andy Kistenmacher

Senior Loan Officer
NMLS# 26774
andy.kistenmacher@fidelity-bank.com
Office: 515-221-0004
Mobile: 515-371-9677

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Andy has been with Fidelity Bank since 2012. With over 16 years of experience in the mortgage industry, he has found the perfect home here at Fidelity.

Andy truly believes that with his experience combined with the loan opportunities here at Fidelity Bank, all of your financing needs can and will be handled.

Whether you are looking to refinance your existing loan, purchase a new home, build a new home, or even remodel your current home, Andy is here to help make the process an enjoyable experience from start to finish.

Benjamin Poole

Senior Loan Officer
NMLS# 40680
ben.poole@fidelity-bank.com
Office: 515-343-2278
Mobile: 515-202-4531

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Purchasing or refinancing a home can be a complicated process, but I am here to help you.

My specialty is meeting with clients to determine their needs and advising them through the mortgage process to see that their goals are achieved.

I have over 20 years of financial and mortgage experience and I more than happy to sit down with you or your family to discuss what the right option is for you.

Please feel free to contact me anytime for a free consultation.

Cecilia Delgado

Senior Loan Officer
NMLS# 269059
cecilia.delgado@fidelity-bank.com

Mobile: 619-794-6874

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Cecilia is a nationally recognized expert in Reverse Mortgages with over 25 years of experience in Lending. She has travelled nationally training Loan Officers about the advantages of a Reverse Mortgage for seniors facing the economic realities of retirement. She is a trusted expert for MBA Magazine and National Mortgage News and has been featured on ESPN and K-Praise radio.

My career is dedicated to helping create awareness and financial planning strategies to my business partners and customers via Reverse Mortgages, 203k, VA, and Jumbo Loans. I enforce the MBA and NRMLA Code of Conduct and Best Practices, to promote home loans in a practical and suitable manner in the communities I serve.

Chad Harris

Senior Loan Officer
NMLS# 501594
chad.harris@fidelity-bank.com
Office: 515-221-0022
Mobile: 515-419-2911

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Chad Harris has been helping improve lives as a Mortgage Lender since 2006. He is passionate and views every lending opportunity as a journey together with his clients, most of whom become friends for life.

Chad lives in Des Moines with his wife, 2 daughters, and Bob Dylan the dog. Chad is a lifelong Chicago Cubs Fan who enjoys spending time with his family, bicycling, ice skating, and making music. Chad has been a member of several local organizations to support homeownership in the City of Des Moines, Urbandale and West Des Moines.

Chad views every conversation as an opportunity to help folks achieve the best possible financial position. Whether you’re thinking about purchasing your first home, your dream home, an investment property, or refinancing your current home, please reach out anytime.

Claudia Morales

Ed Allen

Lucas Krpan

Monty Kinseth

Senior Loan Officer
NMLS# 546417
monty.kinseth@fidelity-bank.com
Office: 515-343-2272
Mobile: 515-491-1373

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My career in the Mortgage lending industry began in 1995. The experience I have gained since has given me the knowledge and expertise to help every type of buyer in every situation. From the beginning of my career I have especially enjoyed being able to help first time homebuyers experience the dream of homeownership.

The types of loans we can do to help the homeowner and the real estate professional include, but are not limited to:

  • First time home buyer loan programs
  • Conventional Loans
  • Government Loan programs(FHA,VA,USDA)
  • Real Estate investor programs
  • Self employed Home buyer solutions
  • Second Home/Vacation Homes

My main goal for all Clients looking for a mortgage loan program is to fit their unique needs and situation is to make the process as simple and as stress free and everyone at Fidelity Bank works to insure that that happens.

Ned Jusufovic

Senior Loan Officer
NMLS# 6358
ned.jusufovic@fidelity-bank.com
Office: 515-343-2276
Mobile: 515-577-2690

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Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.

Patrick Conway

Shane McDermott

Senior Loan Officer
NMLS# 878496
Shane.McDermott@fidelity-bank.com

Mobile: 785-218-3788

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Shane McDermott has been a top producing internet mortgage loan officer since 2000. He’s one of the most versatile loan originators in the country with a very high level of expertise in nearly all facets of home mortgage lending for both property purchases and refinances. He maintains long term relationships with a wide array of clientele including veterans, first-time homebuyers, investment property owners, and physicians in all 50 states. Shane McDermott epitomizes integrity, energy, hard work, and creative service in every detail of your real estate transaction.

He grew up in a hard-working real estate family. From the time he could walk he assisted his uncle and grandfather in remodeling, maintaining, and flipping investment homes. He bought his first home while he was in college and currently owns, manages, and maintains nearing 50 residential and commercial units. Shane is a graduate of the University of Kansas where he earned his bachelor’s degree in business administration and studied international business and finance. A native of Kansas, Shane lives in Lawrence with his wife and two young daughters. In his spare time, Shane enjoys a good happy hour with friends and outdoor activities with his daughters such as hunting, fishing, and camping.

Shane is based out of Fidelity Bank’s West Des Moines office but works remotely most of the time so that he can be available evenings and weekends as well as meeting many of his clients outside of the office for their convenience. He is passionate about the needs and goals of his clients and uses his experience and foresight to proactively address details before they present a problem in the process. He and his team work directly with clients from the first phone call all the way to the closing and maintain that relationship after closing and into and through future refinances and purchases. He leads, trains, and motivates his team to communicate with you better than anyone. Five words you can count on from Shane McDermott are loyalty, integrity, commitment, passion, and fun.

Shannon Thome

Senior Loan Officer
NMLS# 51051
shannon.thome@fidelity-bank.com
Office: 515-343-2281
Mobile: 515-210-9244

Apply Now

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.

Tim Rhey

Senior Loan Officer
NMLS# 883312
timothy.rhey@fidelity-bank.com

Mobile: 480-206-7678

Apply Now

Welcome to Fidelity Bank!

I'm available 24/7 for all of your mortgage needs. As a native Wisconsinite, I base my career as a mortgage banker on customer service, hard work, and integrity.

I am experienced in helping families into new homes offering Conventional, FHA, VA, and USDA loans.

In my spare time, I enjoy snow skiing, coaching football, cycling, and spending time with my beautiful wife Megan, son Canon, and daughter Vanna.

Please don't hesitate to reach out to me with any questions regarding the mortgage process. I’m licensed in all 50 states and look forward to helping you find your next home!

Zack Klatt

Senior Loan Officer
NMLS# 41784
zack.klatt@fidelity-bank.com
Office: 515-343-2264
Mobile: 319-230-9009

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I grew up in Waterloo and attended Buena Vista University where I graduated with a Bachelor’s Degree in 2003. After college, I went to work in St. Louis for a short time and then moved back to Waterloo to work at Title Services. In 2006, I opened up a branch of Title Services in the Des Moines area. Once that was up and running, I decided I wanted to do something different. In 2007, I started my lending career with GMAC Mortgage. In 2008, GMAC shut down their residential lending department and I started my employment at Fidelity Bank where I have been ever since.

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