Welcome! Thank you for visiting my website! My name is Carlene Zabawa and I have been a Home Mortgage Specialist since 2001.  I have worked in the financial industry for over 30 years as a Personal Banker, Financial Advisor and currently as a Home Mortgage Specialist. Buying a new home is exciting and will be one of the largest purchases you will make in your lifetime.  My goal is to help you decide on the best loan program based on your financial goals and payment objectives.  Whether you are buying your first home, building a custom home, buying an investment property, or refinancing an existing home, I will make the home-buying process simple and stress-free. I take great pride in my association with First National Bank and our commitment to you is to give you the best customer service and exceed your expectations.  I look forward to making your dream home a reality and to be your lender for life.