kclugston@boaa.com
125 S. Fifth Ave
Ann Arbor, MI 48104
Women′s Council of Realtors Affiliate of the Year, 2007
Bank of Ann Arbor Salesperson of the Year, 2004
Treasurer of the Women′s Council of Realtors-Washtenaw Chapter
Planning Commissioner for the Village of Dexter
Secretary for the Dexter Rotary club
Board member for Kerrytown Concert House
Womens Council of Realtors
Downtown Kiwanis of Ann Arbor
Working with first time homebuyers including originating Michigan State Housing Development Authority and FHA mortgages.
Working with local Bank clients on a portfolio loan basis.
Refinancing existing mortgages, purchasing 1-4 unit investment properties, originating home equity loans and lines of credit.
Gourmet Cooking, Gardening, Quilting, Kayaking
Vice President & Senior Mortgage Loan Officer, Bank of Ann Arbor
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In the summer of 1995, a group of prominent business people began the process of organizing the city′s only local bank. The applications for a new bank charter and for deposit insurance were both filed that summer and the banking office at 125 S. Fifth Avenue was purchased from Comerica Bank. Six million dollars of initial capital was raised in the local community from businesses and professionals and the bank opened its doors on January 16, 1996 with 15 employees and one location. Today Bank of Ann Arbor has grown to six locations and employs nearly 100 people.
We make it easier to become a homebuyer with great loan options. Talk to one of our mortgage experts. At Bank of Ann Arbor, you have local access to the mortgage services, competitive rates and expertise you need. Don′t speak Mortgages? Our mortgage experts can help you sort through the myriad mortgage options and terms. Call us the American Dream makers.
Learn more about Bank of Ann Arbor.
Kim has been a leading mortgage officer in Ann Arbor for more than 20 years. She started her career at Central Title Service and Great Lakes Bancorp (now TCF). In partnership with Ann Arbor Houses Group, Kim teaches How to Buy a Home Seminars in the Ann Arbor Adult Education program. She especially enjoys preparing first time homebuyers of the joys and responsibilities of home ownership.
Kim′s greatest satisfaction is to welcome new homeowners to Washtenaw County and help them become connected to the community she cares so much about. She appreciates the opportunity to serve their mortgage financing needs through a community bank that helps.
University Bank, Ann Arbor, MI
Mortgage Loan Officer
June 1994 - January 1998
Originated and closed residential and investor property (1-4 units) mortgages.
TCF Bank (formerly Great Lakes Bancorp), Ann Arbor, MI
Mortgage Loan Officer
September 1984 - May 1994
Originated and closed residential and 1-4 unit investment property mortgages and home equity loans
Triad Realty, Ann Arbor, MI
Closing Officer
1983 - 1984
Prepared and closed purchase transactions for real estate company. Managed local investment properties for clients.
Central Title Service, Inc., Ann Arbor, MI
Closing Officer / Title Examiner
1977 - 1983
Closed purchase, mortgage, land contract transactions. Examined real estate records and wrote commitments for title insurance.
Eastern Michigan University, Ypsilanti, MI
Bachelor of Science, American Literature & Writing / Economics
1977 - 1979
Worked full time while attending EMU.
University of Michigan, Ann Arbor, MI
Honors Convocation 1974, Honors College 1975-76
1973 - 1976
Worked part time and earned free housing as a Resident Advisor 1975-1976
Clawson High School, Clawson, MI
High School diploma with honors
1969 - 1973
National Merit Finalist, National Honor Society
