Arkansas
Heather Willborg

Heather Willborg

924 Van Ronkle Suite 2
Conway, AR 72032

Phone: (501) 513-0637
Fax: (501) 764-0665

510 West Main St, Suite 1
Heber Springs, AR 72543

Phone: (501) 450-0559

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NMLS ID: 445265

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Heather Willborg has spent the last two decades helping her customers navigate the home mortgage process and says working at First Financial Bank has been great for her – and for her customers.  “I like the fact that FFB is small enough to provide personal service, but large enough to offer lots of options for our customers”, she said.  She helps customers decide on the best loan for them, educates them about the loan process, and coordinates with title companies and realtors to be sure they close on time.  “Closing on time is what I’m known for”, she states, and you can bet that her customers appreciate it. 

She enjoys being able to help customers turn their dream of home ownership into reality.  “I love the smiles on their faces at the closing table”, says Willborg.  She strives to keep customers informed throughout the loan process, not just at the beginning.  Heather and her team keep their focus on the customer’s needs and find that good communication helps everything go more smoothly. 

Customers have recently shared their testimonials and agree that Heather and her team deliver on their promises: 

“Heather is professional, quick, and great to work with.  We would not hesitate to use her on our next mortgage because she does her best for her clients every single time”, stated a recent customer.  Another added, “She’s a fantastic loan officer who’s not afraid to dig in and help out.  She’s always there to answer questions and make sure we understand the process every step of the way”. 

When not working, she enjoys spending time with family on Greer’s Ferry Lake, fishing and boating.  They also enjoy horses and working on the farm as a family.  When asked what three words most people would use to describe her, she stated:  knowledgeable, experienced, and detail-oriented. 

Kelly Shanas

Kelly Shanas

214 North Washington
El Dorado, AR 71730

Phone: (870) 881-5421
Toll-Free (800) 562-6896
Fax: (870) 881-5434
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NMLS ID: 1447383

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As a VP and Mortgage Lender, Kelly is well-versed in helping her customers find the right loan for their home purchase.  She has 20 years’ experience in banking, starting as a teller and holding positions in accounting and audit before becoming a loan officer with FFB. 

One of the things Kelly likes most about working for First Financial Bank is the wide range of products and services they offer under their banking umbrella.  She helps walk borrowers through the loan process from start to finish, providing answers and assurance when needed.  She and her team are always focused on the customer and making sure they close on time – which customers greatly appreciate! 

“Being able to make someone’s dream of homeownership come true is very rewarding”, she stated.  One of her most rewarding moments as a mortgage lender involved a customer who overcame great odds to be able to purchase a home.  “The customer cried at the closing table because they were the first person in their family to own their home.  They put in a lot of hard work to keep their credit clean, and overcame other obstacles on their path to home ownership”, stated Shanas. 

When not at work, Kelly and her husband enjoy traveling to North Arkansas, where they enjoy the mountains, creeks, and camping with the kids.  Asked how other people would describe her, she said: I have a strong work ethic, and love my family and friends dearly. 

Ethan Adamson

Ethan Adamson

3401 Rogers Ave., Suite A
Fort Smith, AR 72903

Phone: (479) 782-9300
Fax: (479) 782-9400
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NMLS ID: 924274

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Voted as one of the River Valley’s “Best of the Best” in mortgage lending, Ethan and his team absolutely love working with their customers as much as their customers love them.  They currently have 51 Google reviews, and ALL of them are 5-star reviews.   “Knowing you are helping someone with the biggest purchase of their life is very rewarding”, stated Adamson. 

He attributes their success to many things, including great team members who make life (and work) easier for everyone.  “They show up every day with a great attitude.  No job is too big or too small for anyone on our team”, he said.  Everyone is working towards a common goal – customer satisfaction. 

As VP and Mortgage Loan Officer, Ethan works with customers to get them pre-qualified and walks them through the entire loan process so they know what to expect.   He makes sure the loans close on time and that customers provide everything needed to ensure a smooth lending process. 

When not at work, you can find Ethan and his family at the lake on their boat or camping in their RV.  He loves to golf and plays in tournaments throughout the year.  A huge Pittsburgh Steeler fan, they travel to many games throughout the season in support of Steeler Nation.  When asked what three words would be used to best describe him, he stated:  Dedicated, reliable, and funny. 

Mary Tucker

Mary Tucker

1000 Windover, Suite B
Jonesboro, AR 72401

Phone: (870) 935-7808
Fax: (870) 935-6014
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NMLS ID: 445253

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For the past 30 years, Mary Merrill Tucker has learned the mortgage business from the receptionist desk to the Vice-President of Mortgage Lending in Jonesboro, Arkansas.  She was first attracted to First Financial by the people and the family atmosphere at work, and says it helps them provide the absolute best customer service to their customers.  “We have a very dedicated team that works well together.  We all know what needs to happen to help clients close on time and we meet those deadlines together”, she stated. 

Mary meets with her clients to determine their needs and what financing they are qualified for.  “There are so many options available today and we never take a ‘one-size-fits-all’ approach.  We fit the mortgage to the buyer”, she said.  Mary also feels the greatest compliment for her team is when a customer refers them to other homebuyers, something that happens frequently. 

When not at work, Mary gives back to her community by volunteering with the Northeast Arkansas Regional Chamber of Commerce, the University Rotary Club, and Habitat for Humanity.  She’s also an active member of her church and serves on the Finance Committee and the Parish Council, along with other ministries.  Her family enjoys spending time with her family, especially the five grandchildren, and they all enjoy cheering on the Arkansas State University Red Wolves.

Rod Beckham

Rod Beckham

Prospect Building
1501 University Ave., Suite 950
Little Rock, AR 72207

Phone: (501) 227-7087
Fax: (501) 228-6159
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NMLS ID: 445261

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Rod Beckham grew up learning the value of hard work by helping his father in the family business.  That work ethic would serve him well in any position or industry, but when he decided he wanted to become a mortgage lender, a family friend highly recommended he apply with First Financial Bank and the rest, as they say, is history. 

Beckham was influential in helping create the Great River Annual Conference for mortgage bankers from Arkansas, Tennessee, Mississippi, and Missouri and is Past President of the Arkansas Mortgage Bankers Association. 

As the President of FFB’s Mortgage Division, he’s had 25 years of experience helping finance homes for our customers.  During that time, he’s learned that customers want answers to their questions and someone who can give sound advice throughout the entire lending process, and Rod is able to provide both.  He understands that buying a home is the biggest single purchase most people will make in their lifetime, and wants to make it as stress-free and efficient as possible. 

In his spare time, Rod loves spending time with his family, cooking on the grill, and watching football.  He also enjoys golf and fishing.  When asked how others would most likely describe him, he stated:  Knowledgeable, Engaged, and Humorous.  He works hard to lead the FFB Mortgage Team in always delivering on their motto to always “Close On Time”. 

Sarah Wood

Sarah Wood

First Financial Bank
528 Merriman Ave. E
Wynne, AR 72396

Phone: (870) 238-2361
Fax: (870) 238-4284
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NMLS ID: 2039919

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A lifelong resident of northeast Arkansas, Sarah Wood specializes in consumer and mortgage lending, but is also well-versed in commercial and agricultural lending in her community.  She fondly recalls her first impression of the folks at FFB:  “While I was waiting to be interviewed, I noticed employees laughing, smiling, and enjoying each other and their work.  It really made it easy to say “yes” when I received the job offer to join the FFB family”.

Her role at FFB involves working with customers to find the best product for their needs and helping them from start to finish with their loan process - taking whatever steps necessary to make it as smooth as possible.  “Being able to help someone buy a new home or business or just help them out in times of need is really satisfying”, Wood said.  She was part of a team that worked around-the-clock to help businesses in her community during the PPP loan process.  “I had one business owner that I visited with on a Friday night at dinner and they came to see me shortly after that and get the process started.  They were able to get funding via the PPP program, keep their doors open and provide jobs for their employees during the pandemic.  It felt great knowing I had a small part in helping them and helping our community”.

Sarah and her husband, Jim, have three kids who keep them very busy and on the go.  When not working, you’ll most likely find her at the softball fields, the park, or the pool.  She enjoys traveling, hosting gatherings, and is an avid sports fan.  (Roll Tide!) 

Emily Hosier

Emily Hosier

3401 Rogers Ave., Suite A
Fort Smith, AR 72903

Phone: (479) 782-9300
Fax: (479) 782-9400
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NMLS ID: #2157656

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Emily Hosier has spent the past 10 years in community banking, meeting the needs of customers from all walks of life.  As a Mortgage Loan Officer, she loves helping people purchase a home – whether it’s their first one or their fifteenth.  “I believe my role is to be the ‘go to’ person for my customers, providing them with answers and information throughout the entire mortgage process”, she said.

Emily enjoys working with the mortgage lending staff in Fort Smith and the teamwork they exhibit. “I love that my teammates all work together towards a common goal.  We all do our very best to make sure our customers are completely satisfied”, stated Hosier.  “What I enjoy most about my job is hearing and seeing a customer’s excitement as they prepare to buy a home”, she added.

When not at work you can find Emily and her family enjoying the great outdoors or cheering on the Arkansas Razorbacks.  If you asked those who know her best the three words they’d use to describe her, Emily shared that they would say “loyal, caring, and self-driven”.  

Mississippi
Chris Stewart

Chris Stewart

First Financial Bank
510 Hwy 35 South
Carthage, MS 39051

Phone: (601) 267-6657
Fax: (601) 267-6689
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NMLS ID: 445255

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For over two decades, Chris Stewart has helped customers in Leake County, MS meet their financial needs on a daily basis – as a teller, customer service representative, and now a Vice-President and Loan Officer.  What he enjoys most about working at FFB is the friendly, family-like atmosphere at FFB in Carthage, MS.  “They’re not just my co-workers”, he said.  “They’re my best friends”. 

Chris enjoys meeting with customers to get to know more about them – their business/financial needs, but also to learn more about them and their family, their goals and plans for the future.  “I like to be sure we’ve answered all their questions before they leave.  I want them to have the best possible information about whatever financial decision they’re faced with”, Stewart said.   

When asked what three words others would use to describe him, he replied:  Hard-working, caring and dependable.  When not at work, Chris and his wife stay busy with an 8th grade son and a 5th grade daughter.  They enjoy going for family walks each afternoon, cooking out at the lake, and spending quality time together.  “My son and I love to fish bass tournaments together.  Whether we win or come in last place, it’s the time together that’s so important”, he concluded. 

Travis Overall

Travis Overall

First Financial Bank
700 North Robinson
Senatobia, MS 38668

Phone: (662) 562-7290
Fax: (662) 562-0663
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NMLS ID: 1680397

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Travis Overall understands that for most customers, buying a house is not only a very important decision but also a significant financial one.  He enjoys being able to help guide them through the process from beginning to end and get their financing closed as soon as possible so they can begin enjoying their new home.

Having spent his entire career in customer-focused positions, Travis is well-prepared with the tools he needs to communicate effectively and relate to his clients as a Mortgage Loan Officer.   “I love working in the community-bank atmosphere of FFB”, he said.  “We’re able to invest in our local communities while also serving borrowers’ needs on a more personal level”. 

When asked what three words others would use to describe him, he listed “honest, trustworthy, and funny (at least my wife thinks so!)”  When he’s not making his wife, Kati, laugh uncontrollably, Travis enjoys spending time with her and their two kids, Sadie and John Daniel.  They spend time following their kids’ activities and also enjoy just staying home for movie night with the family.