LOAN ORIGINATORS
STEPHANIE FOUNTAIN
Stephanie has been in the financial industry for over 13 years and has been with Arundel Federal since 2010. Since joining the Arundel Federal team, she took an interest in mortgage lending which lead her to become a loan originator. Stephanie makes it a priority to fully understand her borrower’s financial needs throughout the entire mortgage process. She is dedicated to creating a smooth and enjoyable experience whether you are purchasing, refinancing or you just need information about mortgages.
Stephanie enjoys spending time with family and traveling to different places. Warm destinations are her favorite.
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KEVIN MICHNO
Kevin is an experienced executive with more than 30+ years in the mortgage and banking industry and a licensed Real Estate agent. Prior to his employment at Arundel Federal he was the Senior Vice President of Expansion and Business Development at Apex Home Loans and President of Mercantile Mortgage, LLC (acquired by PNC).
A Maryland native, Kevin graduated from Mount Saint Joseph High School and Loyola University Maryland with a degree in business administration. He is also a licensed Real Estate agent. He previously served on the Board of Governors for the Maryland Mortgage Bankers Association and Home Builders Association of Maryland.
Kevin lives with his wife Anne in Ellicott City and enjoys golfing at Rolling Road Golf Club.
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JOHN BERGER
“Teamwork makes all the difference”
I recently joined Arundel Federal Savings Bank in June 2023, with a focus on Construction to Permanent financing. Our one-time close program is one of the best products in the industry. Bringing Mortgage exposure to Harford County will be one of my primary goals.
Throughout my 35-year career, I have been responsible for everything from originating to managing a team of loan officers. I earned my Bachelor of Science degree from Towson State University. Happily married with three sons, one of my favorite pastimes has been coaching my sons in baseball and basketball while they were growing up. I enjoy spending time with family and friends at our vacation home in Ocean City, Maryland.
Being part of someone’s first-time purchase or building your perfect house has been, and always will be, very satisfying to me! Whether building, buying, refinancing, or renovating, let us be part of YOUR team!
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Apply today with John
MARK WESTCOTT
With over 40 years of experience in the mortgage industry, Mark Westcott is a trusted resource for homebuyers and real estate professionals throughout Maryland. His background as a former underwriter, branch manager, and educator gives him a unique ability to navigate complex loan scenarios with confidence and clarity.
While Mark assists with all types of loan products, he specializes in FHA, VA, conventional, and renovation loans. He takes pride in providing accurate numbers, clear communication, and on-time closings. Mark works primarily by referral and has built a reputation for honesty,
reliability, and expert guidance—especially for first-time buyers and self-employed clients.
Outside of work, Mark enjoys boating on the Chesapeake and giving back through community events. If you're looking for a knowledgeable loan officer who treats your goals like his own, Mark is ready to guide you through your next move with the right mortgage solution.
