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Loans

Our lending team

Roger LaHart

Chief Lending Office

Roger LaHart joined Four Corners Community Bank in 2001 and has over 38 years of lending experience. Before joining FCCB, Roger, a native of New England, was a commercial lender at Edgartown National Bank in Edgartown, Massachusetts. He received his Bachelor of Science degree in psychology from Union College in Schenectady, New York, and his Master of Business Administration with emphasis in finance and accounting from Cornell University Johnson School of Management in Ithaca, New York. Roger specializes in business lending including real estate, working capital, and equipment. As chief lending officer, he manages FCCB’s lending department and personnel, credit administration, collections, and maintains a large working portfolio. He most enjoys helping build local business in the Four Corners, and is president of the Farmington Library Foundation board.

Roger can be reached directly at 505.566.2104 or lahart@thebankforme.com. NMLS# 522620

Shawn Candelaria

Durango Market President

Shawn Candelaria joined Four Corners Community Bank in 2015 with over 20 years of lending experience. Before joining FCCB, Shawn, a native of western Colorado, was market president at First Southwest Bank in Durango, Colorado. He received a Bachelor of Business Administration from Colorado Mesa University in Grand Junction, Colorado and attended Norwest College of Commercial Credit. As Durango market president, Shawn manages the bank’s growth and development of commercial and consumer loan relationships in the Durango market. He primarily specializes in small business and commercial lending, however he also works with consumer personal loans, construction loans, and lines of credit. He especially enjoys building relationships with his customers and helping them reach their financial goals. Shawn is a current board member of The Hundred Club of Durango, HomesFund, and the Durango Wine Experience; he is a former board member of Trails 2000 and the United Way of Southwest Colorado. Shawn enjoys spending time with his family and nearly anything outdoors including all types of cycling, golfing, camping, skiing, and fishing.

Shawn can be reached directly at 970.749.2600 or candelaria@thebankforme.com. NMLS ID 941475

Employee William Galloway

William Galloway

Cortez Market President

William Galloway joined Four Corners Community Bank in 2019 with over 37 years of banking experience. Prior to joining FCCB, William was correspondent lender with Zions AG Finance, based in Ames IA, and relationship manager with Zions Bank in Logan, UT. He specializes in commercial, agribusiness, and agricultural operations. William enjoys prospecting and competing for new business and building relationships within the communities FCCB serves. He has a Bachelor of Science in banking from University of Alabama, and a Master of Divinity from New Orleans Baptist Theological Seminary. In his spare time, William enjoys hiking, golf, horseback riding, and exercise in general. He and Melaine (his high school sweetheart), have two children and five grandchildren.

William can be reached directly at 970.564.8867 or william.galloway@thebankforme.com. NMLS ID: 1116783

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Clete Berens

Commercial Loan Officer, Vice President

Clete Berens joined Four Corners Community Bank in 2011, and has over 25 years of lending experience. Before joining FCCB, Clete was a commercial lender at Wells Fargo in Farmington and Gillette, Wyoming. Originally from Gregory, South Dakota, he received his Bachelor of Science degree in business from South Dakota State University in Brookings, South Dakota. Clete is a seasoned commercial lender with commercial real estate, working capital, construction, and equipment loan experience. He enjoys working directly with business owners. Currently, Clete is a member of and serves as the treasurer for Four Corners HOG Chapter. He is a former Farmington Chamber of Commerce board and finance committee member.

Clete can be reached directly at 505.566.2112 or berens@thebankforme.com. NMLS ID 833699

Joshua Bollacker

Commercial Loan Officer, Assistant Vice President

Joshua Bollacker joined Four Corners Community Bank in 2014. He has over 16 years of banking experience and 12 years of lending experience. Before joining FCCB, Joshua was assistant vice president and commercial loan officer at Rocky Mountain Bank & Trust in Colorado Springs and Florence, Colorado. Originally from La Junta, Colorado, he received his Bachelor of Science in business and finance and his Master of Business Administration from Colorado State University, Pueblo. Joshua specializes in small business, construction, commercial, and investment real estate lending. He enjoys helping small businesses grow and prosper, and is treasurer and board member for ECHO, Inc.

Joshua can be reached directly at 505.566.2105 or bollacker@thebankforme.com. NMLS ID 957142

Monica Dibsie

Consumer Loan Officer

Monica Dibsie Dibsie became part of the Four Corners Community Bank family when Citizen State Bank of Cortez was acquired in 2013. She brings over 37 years of experience to the team, currently as a consumer loan officer. Monica was born in Montrose, Colorado but has called Cortez her home since she was 10. She specializes in consumer loans for vehicles, RVs, boats, ATVs, and motorcycles, as well as real estate loans. She enjoys working with her customers to meet their financial needs. Monica is active with the American Cancer Society Relay for Life. Together, she and her husband have five children and three granddaughters. She loves traveling by motorcycle, fishing, gardening, and spending time in San Diego, or anywhere by the ocean whenever possible.

Monica can be reached directly at 970.564.8861 or dibsie@thebankforme.com. NMLS ID 1091381

Belinda Archuleta

Loan Officer

Belinda Archuleta joined Four Corners Community Bank in 2018 with 37 years of banking experience. She started as a teller which led to opening new accounts, investments, wire transfers, consumer and commercial lending, and eventually branch management. Prior to joining FCCB, Belinda was assistant vice president and branch manager at Bank of the West in Albuquerque for a short time, and at Bank of the Southwest in Farmington for 13 years. She oversaw a full-service branch including operations, lending, product sales, customer service, security, and safety. Belinda is familiar with consumer and commercial loans such as unsecured, vehicle, motorcycle, boat, RV, investment property, apartments, equipment, and revolving lines of credit. Her typical customers are neighbors and friends often consisting of teachers, contractors, business owners, doctors, and dentists.

Belinda has strong roots in the region having lived in Mancos as a youngster through high school, in the Aztec/Farmington area for 36 years, and in Albuquerque for a short time in between. She attended Western States School of Banking through New Mexico State University, and works alongside FCCB’s Cortez-based lending team mostly with business owners. Belinda enjoys helping customers realize their dreams such as purchasing a new home, starting a new business, or growing their existing one. She and her husband, Kenneth, have one daughter, Michelle Renaud, one son, Matthew Archuleta, and two granddaughters, Evalyn and Lilly.

Belinda can be reached directly at 970.564.8859 or belinda.archuleta@thebankforme.com. NMLS ID: 530669

Brian Huffhines

Mortgage Loan Office

Brian Huffhines joined Four Corners Community Bank in 2015 with over 29 years of mortgage and consumer lending experience; he spent the last 22 years as an independent mortgage broker at Quality Financial Services Inc. along with his wife, Janice Huffhines. After growing up in Santa Fe, Brian attended California State University, Fresno and received a Bachelor of Business Administration with a specialty in finance; he is also a Licensed Mortgage Loan Originator.

As a mortgage loan officer at FCCB, Brian specializes in promoting the bank’s secondary mortgage products including conventional, FHA, VA, and USDA home loans. He has an extensive background in residential mortgage lending, working with first-time and experienced home buyers, and offering multiple programs for home purchase and refinance needs. Brian most enjoys using his experience and industry knowledge to help clients through the home loan process, as well as explaining and matching the different loan programs with customers’ objectives and needs.

Brian and Janice have three children who are currently attending college. During their childhood, Brian coached youth basketball and baseball through the Boys and Girls Club and Farmington baseball leagues.

Brian can be reached directly at 505.566.2146 or huffhines2@thebankforme.com. NMLS ID 194407

Janice Huffhines

Mortgage Loan Officer

Janice Huffhines joined Four Corners Community Bank in 2015 with over 22 years of mortgage lending experience. Before joining FCCB, she and her husband, Brian Huffhines, co-owned Quality Financial Services, Inc., a local mortgage broker company, for over twenty years. Their business was built on a foundation of superior customer service and strong business relationships; Janice looks forward to providing the same level of service at Four Corners Community Bank.

Before making Farmington her home, Janice spent most of her childhood in California, moving every three years due to her father being in the military. She received a Bachelor’s of Science degree in business administration with an emphasis in marketing from California State University, Fresno. She also holds a Mortgage Loan Originator (MLO) license and specializes in conventional, FHA, VA, and USDA loans. As an FCCB mortgage loan officer, Janice facilitates the bank’s secondary mortgage department which complements its current commercial, residential, and consumer loans.

Janice enjoys helping her clients through the home purchase or refinance processes, and finds first-time home-buyers especially enjoyable. As the mortgage lending industry has become more complex than ever before, she keeps her customers informed and up-to-date as the loan progresses; she strives to make the process as simple as possible and explains the available options that a borrower would qualify for. Janice and Brian have three children who are now attending college; while they were in high school, Janice served as treasurer and board member of the Booster Club from 2009 to 2015.

Janice can be reached directly at 505.566.2103 or huffhines@thebankforme.com. NMLS ID 202071

Business loans

Whether your goal is a new start-up, a large corporation, or you’re looking for the perfect place to relocate, we can accommodate. Lending to our community plays an important part in the growth of our local economy, and we are committed to supporting professional services of all industries in the Four Corners region. We cater to a diverse business community and are open to new ventures, such as oil and gas, and outdoor recreation and tourism—which our area is primed for. So aim high—we can get you there.

  • Lending decisions made here by expert loan officers who understand the communities we serve
  • Responsive, creative, and accessible lending team
  • Fixed and adjustable rate loans
  • Flexible terms
  • Up to 20-year amortization
  • SBA and 504 programs available
  • Rural development business loan guarantees
  • Loan structures that suit your individual business needs

 

Commercial real estate and construction loans

We offer a variety of commercial financing options with competitive rates, fees, and terms.

 

Working lines of credit

When your cash flow fluctuates, consider a business line of credit to finance your cyclical short-term operating expenses.

 

Equipment loans

We offer fixed rate term loans for equipment purchases.

 

Small Business Administration (SBA) loans

As an SBA lender, we have financing options for new and growing businesses with assistance from the U. S. Small Business Administration (SBA). Visit SBA.gov for more information.

 

Agricultural loans and lines of credit

We offer a variety of agricultural loans from real estate and production needs, to livestock and crop production for agricultural-related businesses. We also provide USDA loan guarantee programs through FSA and rural development.

 

Commercial loan application

Click the link(s) below to download the appropriate application or form. Please fill it out completely, sign it, and drop it by any of our locations for processing. We’ll be in touch!

Note: The Commercial loan application and the Personal Financial Statement are required for all business loan requests. Once received, we will contact you for additional details as determined by your request. 

Personal loans

Whether you are looking to buy a car or recreational vehicle, or are ready to finance a home-improvement project, we can accommodate with a variety of personal loans.

Buy local and bank local! Your loan is originated and processed locally, and your loan officer is readily available to answer your questions and give you the status on your loan request. We are committed to making the application process as painless, professional, and fast as possible. Lending decisions are made by people you know, and by people who also live and work in our community.

 

Personal loans

When your cash flow fluctuates, try a personal loan for those one-time financing needs.

Cash-secured loans

A cash-secured loan allows you to use your own funds as collateral. This is our most flexible option.

Auto loans

We offer a variety of auto loans at competitive rates and terms for new and used vehicles.

Recreational vehicles

Motorcycle, boat, RV, snowmobile, Jet Ski, or other recreational vehicle financing available.

Real estate purchase and refinance

Creative financing options available for new purchases or refinances.

Second mortgage

Traditional second mortgages available.

Home improvement

Make improvements on your home or property with budget-friendly financing options.

Gotcha Covered overdraft protection

With approved credit, cover your checking account with an overdraft protection loan. Terms and rates apply.

Personal loan application

Click the link below to download our consumer loan application. Fill it out completely, sign it, and drop it by any of our locations for processing. We’ll be in touch! You can also visit any of our locations for our real estate and home equity line of credit applications, or to speak directly with a knowledgeable member of our mortgage lending team.

Mortgage loans

Ready to apply? Our mortgage loan applications are conveniently available electronically. To start the process or access your account, click here to enter the portal. Of course, if you prefer a paper application, they are available at any of our locations.

 

Conventional fixed rate mortgages

With a fixed rate mortgage, your interest rate and monthly principal and interest payment will stay the same for the entire term of the loan. Fixed rate mortgages are popular because they protect homeowners from payment surprises and are very straightforward. Conventional fixed rate mortgages are available with a variety of terms, available in conforming and non-conforming loan amounts. Private mortgage insurance is usually required for loans with less than a 20% down payment, or when refinancing more than 80% of your home’s value.

  • Maximum conforming loan amount: $484,350

 

USDA Rural Development loan

USDA Rural Housing Program is available. Loan allows for 100% financing of the appraised value on homes in eligible areas. Property must qualify and borrower income cannot exceed certain limits. Please call for qualifying information.

  • Maximum conforming loan amount: $484,350
    • Qualifying income limits may apply 

 

Veterans Administration mortgage loans (VA)

This loan program is available from the Department of Veteran Affairs. It is designed to serve the needs of veterans and allows 100% financing of the purchase price if needed. The borrower must have a valid Certificate of Eligibility and DD Form 214 to obtain a VA mortgage.

  • Maximum conforming loan amount: $484,350
    • May exceed maximum amount in some cases with down payment

 

Jumbo mortgage loans

Jumbo loans or non-conforming loans are for loan amounts above $417,000. Most of the conforming loan programs and features are the same for Jumbo/non-conforming. However, a few documentation differences apply. Call a lender for further explanation.

  • Maximum conforming loan amount: $2,500,000

 

Adjustable rate mortgages (ARM)

The adjustable rate mortgage (ARM) loan interest rate, monthly principal, and interest payments remain the same for an initial period of one to seven years, then adjust annually. This loan type is generally helpful for those borrowers who anticipate only being in a home for a short time, or expect their income to rise over time. It is important to keep in mind that the rate adjusts based on market rates, and fluctuates periodically based on financial market conditions, which may result in a higher monthly payment. However, built-in rate caps and margins provide a measure of security and limited increases over the life of the loan. Private mortgage insurance is usually required for loans with less than a 20% down payment, or when refinancing more than 80% of your home’s value.

  • Maximum conforming loan amount: $484,350

 

Federal Housing Administration mortgage loans (FHA)

FHA mortgage loans are insured by the Department of Housing and Urban Development. FHA offers mortgage loans with a fixed or adjustable rate option. These loans are a good option when a minimum down payment is preferred. FHA requires up-front mortgage insurance, which can be financed in the loan, and a monthly mortgage insurance premium (MIP).

  • Maximum conforming loan amount:
    • Montezuma and San Juan County $314,827
    • La Plata County $419,750

 

Four Corners Community Bank NMLS# 452405

Questions?

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