About Us

Shirley A. Hapner, Division Manager
'Your Personal Mortgage Consultant for Life'

I have been helping homebuyers and homeowners navigate the mortgage process since 1998. With decades of experience as a mortgage consultant, I take pride in helping my clients understand their home loan options and feel confident throughout the purchase or refinance process.

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I am licensed to serve borrowers throughout the entire state of Ohio, with a strong local presence in the Dayton area. I provide clear communication, personal service, and straightforward answers from application through closing. Whether you’re buying your first home, purchasing your next property, or refinancing an existing mortgage, I’ll take the time to explain your options and help you find a financing solution that fits your needs.

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As part of Primary Residential Mortgage, Inc. (PRMI), I have access to a wide variety of mortgage loan programs and financing options backed by an experienced lending team. Our branch has earned a 5-star reputation for customer service and loan quality, reflecting our commitment to making the mortgage experience as smooth and understandable as possible.

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After more than 25 years in the mortgage industry, I still believe great lending starts with listening, educating, and being there for my clients every step of the way.

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PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Branch NMLS 272607 NMLS # 126093 MLO.003404.000 PRMI NMLS 3094. NMLS 126093 MLO.003404.001. 1430 Oak Ct. Suite 306, Beavercreek, Ohio 45430.

Ohio Division of Financial Institutions, Consumer Finance, Ohio Residential Mortgage Lending Act Certificate of Registration RM.802748.000

PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification . Ohio Department of Commerce Division of Financial Institutions, #MB.802748.000. https://www.primeres.com/consumer-voice