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Summit County Regional Lenders
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About
I became a Loan Officer because I really enjoy helping people achieve their dreams and goals. I work for People First Financial. Something I really pride myself on is our company’s ability to close loans. When working with me you can be certain that I am going to give you the best service possible. I am available on nights and weekends to answer questions. I believe that communication is very important. I hope on day 1 we start as client and loan officer and by day 30 you can call me friend.
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About
I am a PA licensed mortgage Loan Officer with years of experience at West Penn Financial. I entered the mortgage business to aide customers navigate through the mortgage process. This can be a mystery for many consumers, filled with grey areas, broken promises and mortgage jargon. My goal is to help with all your mortgage related needs, cut out the grey areas and create the best experience possible.
Purchasing a home can be the largest transaction in person's life. Finding the perfect house is usually the focus and secondarily the mortgage. I am at your service to find that perfect mortgage. As a homeowner myself, I understand the stresses and questions this process can bring up first hand. In an ever-changing business, it is a top priority to find a loan professional that you can communicate with and trust.
By using the information I provide, along with my expertise, together we can make mortgages fun again and find the perfect one for you!
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About
With the ever-changing mortgage industry, it is important you have an individual who is one phone call away to help you. Whether you are buying, selling, or refinancing your home, West Penn Financial has a product to suit your needs. I have learned that providing excellent client service to my borrowers will allow them to enjoy the biggest purchase of their life! I base all of my relationships off of trust and honesty and want to be completely transparent through a very rigorous process.
After you have applied by clicking the link below, I will call you to discuss the details of your loan. If you have any questions or would prefer to apply over the phone you may contact me anytime by calling my cell at 412-491-9680. You may also email me at t.birko@westpennfinancial.net for personalized service.
I look forward to working with you!
I look forward to working with you!
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About
Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer, I have the knowledge and expertise you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
I look forward to working with you.
Ask A Mortgage Question
Ask A Mortgage Question
Ask A Mortgage Question
Ask A Mortgage Question
About
I have been a loan originator for 21 years and a mortgage operations manager for over 15 years. Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. As an experienced loan officer, I have the knowledge and expertise needed to explore the many financing options available.
I am committed to providing my clients with mortgage services that exceed their expectations. I focus on customer service and being available day or night. You may contact me anytime by phone or email for personalized service and expert advice.
I look forward to working with you.
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Testimonials
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8/25/2023 - cjhill00 Bought and sold a Single Family home in 2023 in Cuyahoga falls, OH. Local knowledge Process expertise Responsiveness Negotiation skills Pam, was ethical and very professional in everything she did. Her knowledge and conveying her knowledge to me was outstanding. Pam sat with me and explained everything that was in the contract and any other documents that needed to be explained or signed. She was always available whenever I called her or texted. She updated me continuously on the status of selling or buying my new house. I would highly recommend pam as a realtor.
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- Chris
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Bought and sold a Single Family home in 2023 in Cuyahoga falls, OH. Pam, was ethical and very professional in everything she did. Her knowledge and conveying her knowledge to me was outstanding. Pam sat with me and explained everything that was in the contract and any other documents that needed to be explained or signed. She was always available whenever I called her or texted. She updated me continuously on the status of selling or buying my new house. I would highly recommend pam as a realtor.
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- Chris
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Very knowledgeable and flexible to the needs I had. 10/10 would recommend.
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- Eric Horbach
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Bought and sold a Single Family home in 2023 in Cuyahoga falls, OH. Local knowledgeProcess expertiseResponsivenessNegotiation skillsPam, was ethical and very professional in everything she did. Her knowledge and conveying her knowledge to me was outstanding. Pam sat with me and explained everything that was in the contract and any other documents that needed to be explained or signed. She was always available whenever I called her or texted. She updated me continuously on the status of selling or buying my new house. I would highly recommend pam as a realtor.
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- Chris
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Pam was wonderful to work with! Being a first time home seller, I was very overwhelmed with the thought of the whole process. Her experience was evident throughout our time working with her. She communicated with us every step of the way. She let us know what to expect and kept us posted the entire time. Anytime I had a question, no matter what it was, she had the answer and would get back to me the same day. She went above and beyond to help us through the process.
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- Laura Whitaker
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Knowledge’s, Responsive and overall Great to work with!
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- Angelica and Lewis
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Christina did an amazing job with my Fiancée and me to find our home. After finding the home, she made it a super easy process getting through the home buying process. She was very on top of what needed to be done and in what order and was always able to for a call when we had questions. I would highly recommend her to anyone buying in the Ohio area!
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- Max Dush
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I could not have gotten through the sell of my house without Kirsten Baker. At the time of our sale I as going through a divorce. My ex-husband had put leans against the home and stopped paying the bill so the home was in the process of foreclosure. Our sale was messy. Really messy. Everything that can go wrong in a sale went wrong. But Kirsten helped me by jumping through every hoop, which seemed endless, to get our short sale finished. She went above and beyond to keep things moving and did not drop the ball once. I never had to question where we were at in the process or what would happen next. She had open and frequent communication so I never felt blinded. I especially liked working with Kirsten because she was honest and straight forward, even when she had to give me bad news about the process or findings. Kirsten was available anytime I called and texted back promptly. She was supportive as more then just my realtor. I don't think I could thank her enough for what she did for me that year. She will be my call when I am ready to move into a new home.
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- Natasha Waldrop
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Betsy is the most wonderful human being inside and out! She’s kind, compassionate, and SO easy to work with. She found my husband’s and my forever home and we couldn’t be happier! She truly is here for her clients and goes above and beyond expectations.
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- Chelsea Hoersten
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Having Christina as our realtor was the best part of the house buying experience! She always made herself available, was very professional, and helped us navigate difficult situations. I was always surprised at the late hours that she would still be in contact with us answering texts and phone calls. Christina also had many contacts to help us through the entire process. Christina went above and beyond and beyond to assist us with all of our concerns and to guide us in the right direction which resulted in us being able to buy our home! I would absolutely recommend her to anybody looking to buy a house. You will not be disappointed!
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- Pam Griffith
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The thought of buying our first home was a little overwhelming, but Kirsten was so helpful and amazing! So thoughtful and nice with our home buying experience, answered my million questions and helped us find the perfect home we were looking for. Her professional manner, experience, personality made buying a home fun! I highly recommend Kirsten to everyone, if I could add more than 5 stars I would!!!
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- Kerrie and Nathan Cobb
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Christina was great for us as first time home buyers. She was extremely knowledgeable about things to look for while taking tours. She was prompt with her responses and it was easy to setup showings. We did not feel any pressure in decision making from Christina and could rely on her expertise throughout the whole process.
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- Madison and Steven
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Christina was the consummate professional. Always on time with information and appointments. She made this long distance search easy and enjoyable. Jill and I had a great time working with her and highly recommend her to be your next agent.
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- Mike Wasson
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We couldn’t have asked for a more hard working, tenacious realtor if we wanted to. Kirsten from day one did everything in her powers to get us our dream home. She was extremely patient and willing to drive to the end of the earth to look at houses even when it was an hour and half drive time for her. She spotted flaws in the homes we looked at almost as soon as we walked in and saved us what would have been thou$and$ of dollars in the future. When we found our new home she was a mad dog at getting us into it and made sure we had the best chance of winning the bid war, which we did. I have passed her name a long to every one that I hear is looking to buy or sell a house. She also helped sell our old house quickly and with the same mad dog attitude she used to help us buy our new homestead.
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- Vincent Taylor
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Kirsten was easy to work with. I bought a home in Akron without having to travel 1000+ miles from Florida. Kirsten was very helpful in making the process manageable from such a distance. She was helpful in securing a home mortgage, getting homeowners insurance, and especially with finding someone to install a new furnace as well as helping find a chimney sweep for the fireplaces so we could use during the cold spell. She makes herself readily available when you aren't familiar with the area. I really appreciated the assistance after the sale.
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- Cynthia Spielman
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Pam was a true gem to work with on the purchase of our home. Her expertise truly shines above all. She found us a home exactly where we wanted it, within our price range and made negotiations a breeze.8/25/2023 - cjhill00 Bought and sold a Single Family home in 2023 in Cuyahoga falls, OH.
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- Thomas Harrison
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Christina was a great help in our home search. She was very attentive to details and proper inspection notes each time we were in a new house. She also was honest with her thoughts and always responded in a timely manner. She was also very informed on all aspects from the house search to the paperwork involved with the final purchase. I would happily recommend Christina to anyone during their home search.
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- Hillarie Kinzel
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Christina was phenomenal! She worked with us every step of the way, helped us navigate unforeseen issues, and was truly the only reason we didn’t give up when searching for a house. Not only did she help us close on a house, she helped us find our perfect home!
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- Laura Morris
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Christine DaCosta she did a fantastic job highly recommend her if you’re looking to purchase a home great communication anything that I wanted to know about any property she would get it for me in a timely matter very kind, very professional and most definitely when I go to buy a house in the future most definitely going with her again had a great experience with her
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- Evan Giovanis
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Cassie was incredibly helpful throughout the entire process of selling our property. My partner and I have been investing in real estate for over eight years, and in this case we ran into serious issues with the contractor who handled the rehab. After receiving an offer, the buyer’s inspection revealed a long list of repairs that needed to be addressed. Cassie coordinated with the subcontractors, oversaw the work, and was patient and supportive the whole way through. She’s a truly pleasant and communicative person to work with, and she treats your property as if it were her own. In the end, we sold the property for exactly the price she told us we could achieve when we purchased the property. I’m grateful for the opportunity to work with her, and I strongly recommend reaching out if you’re looking for an agent who is professional, ambitious, and stands behind her word.
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- Adi Arad
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Highly likely to recommend|5.0 1/31/2025 - d 4threeSold a Single Family home in 2025 in Barberton, OH. Local knowledgeProcess expertiseResponsivenessNegotiation skillsI was extremely pleased and satisfied with her expertise and patience during this transition and transaction. I had no experience in real estate. She did more than what I figured a realtor to be . She did a lot of leg work i wouldn't have expected. I could never thank her enough
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- Dean
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Kirsten made my first time buying a home such a great experience! She was extremely knowledgeable and guided us through the process like the expert that she is. What we wanted was not easy to find, but, Kirsten did not let us give up- and we made her go all over! When “The One” hit the market- we saw it that day and she had an offer submitted that night. The housing market was crazy at that time, but she fought so hard for us. I can’t thank Kirsten enough for helping us get our dream home and property!!!
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- Jen Taylor
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Christina was an outstanding agent! From the very first meeting, she was extremely professional and thorough. She was always willing to listen, and give detailed, helpful Information in return, which was critical in making the real estate transaction, successful and streamlined. Thanks to her professional expertise. She was able to steer me in the correct direction when viewing homes, enabling me to make better decisions. Her expert advise, guidance and direction helped me purchase the perfect house for me at the best price. Her quick responses and knowledge were put to the test during closing, but because of her we were able to get over hurdles and have a successful closing. I will certainly recommend Christina to my friends and family when they need a real estate agent. I don’t think I could have done it without her! Even after closing, she had been there to offer referrals for everything I have needed, especially being new to town. Highly recommend her! She is a true gem!
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- Kristy Anderson
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Christina was beyond helpful and understanding of what we were looking for in our home search. Working with Christina was the easiest part of the entire home buying experience. Great communication and very professional. I’d recommend Christian over and over again! We wouldn’t have been able to get through the process without her assistance!
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- Chloe Griffith
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Christina helped me tremendously through this home search. She went above and beyond to try to help me get through a rough patch during this process. I would highly recommend her to be your realtor! Great job Christina, thanks a lot.
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- Jaylen Hutchins
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Christina DaCosta sold our home quickly and for top dollar! Her professionalism, market knowledge, and negotiation skills were impressive. We highly recommend her to anyone looking to sell their home.
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- Nomicos Malysa
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Christina was generous with her time and great at communicating information and deadlines. She was trustworthy and professional in her interactions and worked hard to keep my best interests in mind as I navigated my first home purchase. Although we hit some resistance from the sellers and I had a very difficult time with the title company, Christina went through my options with me and explained everything that she could, for which I am grateful. She was honest about making a minor (which turned out to be irrelevant) mistake with the paperwork for the house; that is FAR more admirable than getting everything perfect. She also coordinated with the Canton Down Payment Assistance program and negotiated with the sellers on its required improvements. If any of my friends or family need a realtor in NE Ohio, I will definitely be recommending her.
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- Steven Fregeau
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I appreciated that Kirsten was always on time for showings. You can tell she is committed to you and your personal home buying process. She assured us that we'd look at as many houses as needed until we found the right one. If you're looking for a hardworking, reliable agent, then Kirsten is the one for you.
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- N.S.
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Kirsten came highly recommended by my son and boy she didn't disappoint. We had some stressful moments and several setbacks with our buyers but she kept us grounded and remained positive through the whole process. Her communication skills are spot on. You will never wait for to get back to you. I can't thank her enough and highly recommend her.
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- Nickie
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Hi Pam I will never be able to thank you enough for your representation as an agent in the housing market. I was so lucky to have found you . Your knowledge guidance and professionalism was / is bar none . You made every aspect seamless and as transparent as possible. Anyone needing help in selling or buying in today's market can not go wrong in choosing you . THANK YOU Sincerely, Dean
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- Dean
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Love at first sight is not a thing with this one. ( as in most new things ). But then it happens you get comfortable and trusting and that awkward little birdie starts to surprise you with dedication and effort to present you with all and the most options to your looking for a new home wants. The purchase of my latest home was effortless and have passed Kirsten’s name along to numerous future buyers. Thank you for making home buying a breeze.
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- Matthew J. Beccia
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Kirsten helped me buy my first home in January of 2024. When I came to her about the possibility of buying my first home months prior she helped me get connected with a loan officer and helped me achieve the necessary steps to qualify. When we looked at the homes I was interested in, she was very thorough about inspecting what she saw. She looked at things such as the roof, corners in bathrooms for mold and other small details that could potentially be an issue. Kirsten was honest with me and told me how it was. I can truly say Kirsten was looking out for my best interest and not as another sale. She did an amazing job and I plan to continue to work with her for all of my real estate needs.
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- Sarah Johnson
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Betsy is the best! She was very responsive and easy to work with. She helped us get our dream home and we cannot thank her enough! She went the extra mile for us and made this whole complicated process as smooth as it could be. We highly recommend her!
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- Natalie and Michael
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Kirsten came highly recommended by my son and boy she didn't disappoint. We had some stressful moments and several setbacks with our buyers but she kept us grounded and remained positive through the whole process. Her communication skills are spot on. You will never wait for to get back to you. I can't thank her enough and highly recommend her.
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- Nickie
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"Selling our home of 40 years was an emotional journey, and we couldn’t have asked for a better guide than Pam Maharg. From our first meeting, she took as much time as we needed to explain everything and was compassionate and incredibly patient. She understood how much this home meant to us and made sure that the process was as easy and stress free as possible. Pam's professionalism never wavered, and her sense of humor helped a great deal. We’re so grateful to have had her help—she made a difficult transition feel manageable and even hopeful. I would most definitely recommend Pam Maharg.
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- Karen Perenic
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Ashleys the best
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- Ryan Andorka
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Don't know where to start. Christina is a very polite and her level of professionalism. She knows her job well, even when the bank was taking too long to aprove our loan, she was always on the phone asking to talk to higher hierarchy on our behalf. I will definitely recommend her service to anyone trying to get a beautiful place to call home in ohio without any delay or or doubt. Thanks for all you have done for me and my family.
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- Gabriel Thomas
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Kirsten is by far the most amazing person to work with. She is incredibly timely with all responses to questions. Has expert knowledge on the real estate market and will guide you to your new forever home. She did that for me and my appreciation of her efforts goes beyond words. Kirsten is incredibly passionate about her profession and that is something you will find out the moment you first talk to her. Bottom line, she makes you feel like family, and for me that sets her apart from other real estate agents I’ve dealt with in the past. Please use Kirsten for your next real estate purchase. I promise you will be well represented.
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- Ken Crislip
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Christina is an amazing realtor who knows her stuff. She’s also very dedicated to making sure that her clients get the service that they need and deserve. This is my second time purchasing with Christina and I look forward to working with her in the future.
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- Tameka Ellington
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12/6/2022 - thomas HarrisonBought a Single Family home in 2022 in Akron, OH. Local knowledgeProcess expertiseResponsivenessNegotiation skillsPam was a true gem to work with on the purchase of our home. Her expertise truly shines above all. She found us a home exactly where we wanted it, within our price range and made negotiations a breeze.
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- Thomas
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Working with Kirsten was the absolute best. She made looking and buying a house pain-free. Kirsten goes above and beyond to make the house hunting fun and enjoyable. She was always on top of her game. She never gives up till she finds the right home for you.
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- Brian P Vahey
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Christina provided excellent service and helped me and my partner. We were re-locating to Cleveland from 2 hours away, and so most of the process was virtual. Christina arranged for us to visit a house we had seen on line, and then coached us through the process of making an offer, deciding upon critical contingencies of the sale, negotiating those contingencies, and then hitting all of the critical milestones along the way. She was generous with her time, careful in monitoring what we had completed (and what we had not!), and always willing to provide suggestions and best practices when we had questions. As we were out-of-towners, we did not know much when we signed up with her as our real estate agent. At each part of the process, we felt lucky to have been represented by her.
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- Tim Smith
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Christina was the best realtor I could have asked for! I was new to the area and she was more than willing and knowledgeable when giving me insight on the areas that would suit my lifestyle best. She was great at knowing what I would and wouldn’t not be interested in while still willing to show me everything I requested. Within two days of meeting Christina, (and over a holiday) she found me the perfect home. Through the closing process she was extremely available for any questions that I threw at her and had multiple contacts for me to reach out to for further information. I am thankful to have found Christina to help me in my journey of moving into the Ohio area!
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- Leah Dewald
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Christina was on top of everything from the beginning of the process all the way to welcoming us home. She is knowledgeable about the process as a whole and the intricacies of houses in general. I honestly couldn’t have asked for a better fit than working with her!
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- Roger Morris Jr
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Super nice and professional
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- Sammy Lazaraus
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Betsy was wonderful to work with. Very responsive and helpful. She helped us price our home realistically to sell and our house sold within a few days and at the price we were hoping for.
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- Katie Tulodzieski
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Highly likely to recommend|5.0 10/27/2024 - laurawhitaker55Sold a Single Family home in 2024 in Akron, OH. Local knowledgeProcess expertiseResponsivenessNegotiation skillsPam was wonderful to work with! Being a first time home seller, I was very overwhelmed with the thought of the whole process. Her experience was evident throughout our time working with her. She communicated with us every step of the way. She let us know what to expect and kept us posted the entire time. Anytime I had a question, no matter what it was, she had the answer and would get back to me the same day. She went above and beyond to help us through the process.
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- Laura
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We moved here from NY and Betsy made finding our new home a stress free fun experience. We couldn’t have done it without her and appreciate all the extra effort she gave. She listened to what we were looking for and didn’t try to just sell us a house. She found our home. If you’re looking for a new home Betsy is the realtor you need.
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- Bill Naylor
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We made a great choice choosing Pam to sell my father’s home. She was knowledgeable about the market in the area, and had answers for our unique situation. Pam was always timely in communicating and took the time to answer any questions and offer insight without us feeling rushed.
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- Bonnie Williams
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Christina feels more like a close friend than my realtor. This is the second time I've worked with her, and I would do it again in a heartbeat! She had my back in every decision and gave me excellent guidance.
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- Mary
About Summit County Regional
The Berkshire Hathaway HomeServices Stouffer Realty Fairlawn Branch office serves as one of our main hubs for all of our NE Ohio agents. Our office is conveniently located in the heart of Fairlawn, just west of Akron and 35 minutes from downtown Cleveland. This office also serves the highly sought-after surrounding areas of Akron, Bath Township, Copley, and Montrose. Our agents include some of the most experienced Realtors in the area, specializing in residential, luxury homes, vacant land and commercial sales. All of our agents live in and support the communities they serve. They have first-hand knowledge about area property values, school systems, neighborhoods, and finance options. As a result, they are able to negotiate from a position of understanding, integrity, experience and strength in the marketplace. This office is home to some of our top producers because we invest in their success. We pride ourselves in our continuing education and training coupled with superior marketing and a top notch managerial and support staff.Latest Blog Posts
The Main Reason Mortgage Rates Are So HighToday’s mortgage rates are top-of-mind for many homebuyers right now. As a result, if you’re thinking about buying for the first time or selling
The Benefits of Selling Now, According to ExpertsIf you’re trying to decide if now’s the time to sell your house, here’s what you should know. The limited number of homes available
After the Home Inspection – What’s Really Important?An important part of the home buying process is having a professional home inspection. Even homes listed “as is” should
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