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Amy Jo Tetzner

Vice President of Mortgage Lending
926 Willard Drive, Suite 126, Green Bay, WI 54304
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NMLS: 841384
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Amy Jo Larsen is by far the most knowledgeable, hardest working, friendliest, and most professional lender I have known! She, and her team, were up to date on every change and I was always informed and they went out of their way to make it personable on every level! I had peace of mind knowing she was taking care of everthing!! If I ever need to mortgage, she will be my first call! Thank you to all who helped me realize my dream and make it happen!

David H. - De Pere, WI | AUG 2016

Amy Jo is excellent at what she does on professional level and how she treats her clients on social level... Thank you so much Amy Jo for your extension help with purchasing our new home!!!!

Joseph C. - Luxemburg, WI | JUL 2016

Our loan officer and closer were terrific! Our loan officer was very prompt and responsive to get back to me with any questions and/or to do items. Our loan officer ensured I had a pathway to secure my loan and was able to make sure all my deadlines could be met.

Janelle M. - Beloit, WI | JUL 2016

As a first time home buyer, AmyJo was great to work with. She answered all my questions and always got back to me right away. She made this process stress free and always kept me well informed. I was very lucky to work with her.

Olivia P. - Green Bay, WI | JUL 2016

I have to say working with Amy Jo was a great experience. She is amazingly organized and responded to all of my emails (seemed like I must have bothered her 1000 times) so fast it was unreal. I'd email her a question, and 90% of the time had a reply in 10 minutes. Even after hours! She is so dedicated to her work, it puts your company in a very good light. I'm really happy with my experience with Guaranteed Rate, and can't say enough about what a fantastic job Amy Jo did!

Paul S.- Green Bay,WI | MAY 2016

I've already given Amy Jo Larsen's contact information out!! She made the home buying process easy!! VERY thorough, organized and extremely professional! I feel extremely blessed!

Karianne C. - Funded 5/17/2016

Amy Jo Larsen is absolutely incredible. Her professionalism and excellent communication made the loan process very smooth. I will definitely recommend!

James B. - Funded 5/26/2016

Amy Jo made the loan process so stress free. Every time we had to verify or make changes she was on top of the situation before it ever become a problem. She explained everything so well, we knew exactly how or what to do to get our loan approved! I have gone through 3 mortgage loan processes and this was truly the best, most smooth process yet. Amy Jo and her team are proactive and work their tails off to make a very stressful process completely stress free!

Miranda B. - Funded 5/27/2016

Amy Jo Larsen is amazing, she is very good at what she does and it shows in her work. Amy Jo kept me updated weekly, if not more than that sometime. Thank you for being so great! I will recommend everyone to Amy Jo for sure.

Marnie P. -De Pere, WI | APR 2016

Amy Jo was outstanding! When my realtor was no longer representing me, Amy Jo stepped in and acted as my realtor as well. She was the reason my closing happened with no hiccups and she was able to even get the closing time earlier in the day to accommodate my moving needs. Awesome customer service! Thank you so much!

Jennifer P. - Green Bay, WI | APR 2016

Thank you Amy Jo for all your help during this process! You were great!

Ariel B. – Green Bay, WI | Dec. 2015

Amy Jo was great! She was always available when we had questions, was able to help us overcome obstacles, and really advocated on our behalf. Will definitely be using her for all our future home financing needs!

Maxwell C. – 9/22/2015

Amy Jo worked exceptionally hard to make it possible for me to purchase a home. She was always available when needed, kept me updated on developments, and was timely with all transactions. Amy Jo guided me through the entire experience in a way that allowed me to put complete trust in her, and ask questions when I had them.

Laura S. – 8/31/2015

Amy Jo Larson was absolutely wonderful from day one to closing! It stands to reason, she's a wonderful lady! Professional, knowledgeable,very caring yet quite tenacious! When she says she's going to get something done, that's exactly what happens! We felt so confident and comfortable during this process, she really puts you at ease.

Sarah T. – 7/31/2015

Amy Jo, my loan officer, was very helpful and got back to us on questions we had right away. I am a 1st home buyer and I thought she made the whole process easy and stress free for us.

Ashley F. – Oconto, WI | July 2015

Amy Jo Larsen is amazing at what she does. She was remarkably prompt, knowledgeable and helpful with her responses. The way she conducts business is something a lot of business professionals could learn from.

Adam G. – Appleton, WI | July 2015

Amy Jo was very helpful and got back to us on questions we had right away. I am a first time homebuyer and I thought she made the whole process easy and stress free for us. I felt we got over the top service and would highly recommend Amy Jo and Guaranteed Rate to all my family and friends.

Ashley F. – 7/24/2015

Without the help of Amy Jo, our dreams would not have been reached in buying our home. Amy Jo was more than helpful in us attaining our loan. I had contact and updates from her daily.

Paul C. -- 6/5/2015

Amy Jo is amazing! Anytime I had questions, she helped me out day or night. I could not have received a better loan officer. Amy Jo was very positive, great attitude and so willing to help us out. I wasn't scared or nervous since she kept in touch with me throughout the whole process. Amy Jo is awesome!!

Paula N. -- 6/12/2015

Thank you so much for all your hard work on my behalf. We had a lot of hurdles to get over but with your hard work and diligence, they were overcome. You were always the optimist when I was the pessimist and for that I thank you. You made a very emotionally difficult process bearable for me, helping me take steps towards a new future. Thank you again!

Lorri L.

THANK YOU THANK YOU THANK YOU. You were so fabulous in this whole crazy process and made it so easy for us to understand. You made it possible for James and I to have our first home. For that we are forever grateful. We will for sure be sending people your way!

Sarah K.

Amy Jo was helpful and just plain amazing

Fritz R. – Gillett, WI | Apr. 2015

Amy Jo Larsen made the whole process so easy to understand and so easy to complete. She is amazing.

Christopher T. - Mishicot, WI / March 2015


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Amy interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Now with it being 2017, I have been in the industry for over 10 years! I was inspired to work in mortgage by meeting great, educated people who worked in the industry through business networking. I was seeking a position to continue to serve my community with a rewarding yet challenging day to day business structure. I have worked in the real estate and mortgage world throughout my entire career! I started working for one of our area’s largest real estate companies in 2003 when I was a senior in college. When I started in mortgage, I began as a personal assistant and have worn many hats. I am fully experienced in consulting and crafting the best mortgage product but also pushing the paper behind the scenes to make this happen! Working in this industry is fast paced, requires intense problem solving skills and allows you to connect with so many wonderful people-a truly great mix for me and my lively personality!
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started working in mortgage it was a completely different reality. Due to the loose guidelines available; the products that investors offered were unbelievable. I remember thinking that these risky programs can’t really exist! Shortly after running out of the gate and beginning a career in mortgage in 2006, I watched the financial crisis unfold and felt the effects every moment of every day. We watched investors shut their doors, programs and products disappear and the pendulum swing very much to the other side of the spectrum. Right now the pendulum is starting to meander back to the middle where it belongs. Over the years technology has enveloped us in the financial industry. I am welcoming it with open arms! I love the ease great technology brings to my clients lives. I am excited to see how convenient and fast the process will become in the future with superior uses of cell phones, apps and social media.
What part of the home loan process do customers find most difficult and how do you help them through it?
We want a lot of documentation (and I mean a lot) and it can be frustrating and overwhelming. I help during the process by asking for a complete list up front and explaining why additional items are required. I do my best to make delivering the items to our team as easy as possible. I have met borrowers at work, at their homes and even at the doctor’s office nearby to make it as easy as I can for them!
What are the top 3 misconceptions people have about the home loan process?
1. That once your credit is pulled we will not look again. This is not the case, we will check your credit a few days prior to closing in most scenarios. We do this to ensure no new trade lines exist and to verify that all credit accounts remain constant to the first report. It is great practice to ALWAYS check with our mortgage team before you pay off anything, let anyone look at your credit or make a purchase with your credit card. 2. Once you deliver your initial items, these are the only items that we need. More times than not when we look at your taxes, paycheck stubs, bank statements and other documents we will need additional items or explanations on the details we see. We must explain any job gaps, lesser earnings from year to year, large deposits that are not from payroll direct deposits, credit inquiries, etc. 3. Once the appraisal rolls in and the appraised value meets the value of the purchase price, we are good to go with the appraisal step. The appraisal and comps used must be fully underwritten according to both investor and also secondary market guidelines pertaining to your mortgage product. Often times an appraisal may need corrections or additional documentation added by the appraiser for the underwriter to accept and fully approve the report.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?

For the past three to five years, I have volunteered my time and resources teaching Junior Achievement at our area schools throughout Northeast Wisconsin. Through this program, I teach the youth in our local public schools necessary job and personal skills for their success in their future education and job market.

I also serve as the Seymour Park Downtown Green Bay Neighborhood Association Secretary I also serve in a leadership role in my BNI Chapter-Network Solutions.

Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
My son was diagnosed with Type 1 Diabetes in 2009. We have been offering our time and resources to support JDRF-The Juvenile Diabetes Research Fund since 2009. Our team-Got Insulin has received a bronze, silver and Golden Sneaker Award in past fundraising years. If you would like to support JDRF, please visit their website: Additionally with every closed loan, a donation is made to the Guaranteed Rate Foundation. Established With One Simple Objective: Impact the lives of our employees, their families and communities in times of need in a meaningful and positive way. It starts with the generosity of employees whose donations are critical to providing support to employees in need. Employee donations are matched by the company to provide additional funding. You can learn more about our great foundation here:
Summary of where you grew up: family, affiliations, college, high school, etc.
I am a graduate of Denmark High School just south of Green Bay and I obtained my Bachelors of Business Administration from UWGB with an emphasis in Marketing and a minor in Graphic Communications. I had the amazing experience of studying abroad while in Australia and New Zealand and would highly recommend these UW study courses to anyone attending! In my free time I am hanging out with my son Jamison and my dog Rocko! My passions outside of mortgage are photography and hiking in the Western states.
Tell us something that makes you unique or something wacky, yet interesting about you?
Since I was a young child I was very interested in saving money. By the time I was 14, I had already purchased my first car- a 1986 Ford Escort-she was a beauty! That car sat in my parent’s driveway for two years until I could drive. I babysat for a family of 3 kids for 12 hours a day for $2.50 an hour every day of every summer for years saving for that car. I tallied all my earnings in a notebook and felt so satisfied when I made my first big ticket purchase! I love the gratification of working hard to make goals come together and I love helping my clients feel the same way!

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