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Emi Southard

Emi Southard

VP of Mortgage Lending · Rate

5.0(18 reviews)

Reviews18

“We had a very difficult loan to pull off and she breezed through the process like it was nothing. When many other brokers turned us down within the first 15 minutes of discussing our loan, she asked questions, made some calls and ultimately crafted a loan product that fit our specific needs.”

Emi is seriously incredible, and Portage has been so easy to work with. We had a very difficult loan to pull off and she breezed through the process like it was nothing. When many other brokers turned us down within the first 15 minutes of discussing our loan, she asked questions, made some calls and ultimately crafted a loan product that fit our specific needs. She was available via text at all hours and worked weekends to make our deal happen. She is a wonderful person and we can't wait to use Portage for future deals.

“Very responsive to any and all my crazy questions 10/10 customer service but just as important 10/10 qualified knowledgable professionals who know what they are doing.”

We refinanced our home loan and the process came with some pretty severe complications due to a previous lender and Emi and the team at Portage Bank (shoutout Becky!!) worked tirelessly to make sure our new loan was set up properly. Very responsive to any and all my crazy questions 10/10 customer service but just as important 10/10 qualified knowledgable professionals who know what they are doing. Highly recommend using Emi as your loan officer! 👏

“She was thorough with her explanations and answered any and every question we had throughout the process. I never felt overwhelmed during this whole process”

Emi was an absolute dream to work with through our refinance process. We went into it with a bad previous experience and left this one with an entire different outlook! She was thorough with her explanations and answered any and every question we had throughout the process. I never felt overwhelmed during this whole process, even with hang ups with getting documents together, because of how reassuring she was during the process! I would recommend (and already have) Emi to anyone for their mortgage needs, she is truly the best!

“Emi was consistently professional, knowledgeable, and reliable throughout every step. I truly appreciate her attention to detail and commitment to providing great service.”

I had an excellent experience working with Emi Hartkopf on my mortgage loan. She was quick to respond to all my questions and made the entire process smooth and efficient. Emi was consistently professional, knowledgeable, and reliable throughout every step. I truly appreciate her attention to detail and commitment to providing great service. I highly recommend Emi to anyone looking for a seamless mortgage experience.

“Emi made everything feel smooth and clear. She was so patient, answered all of our many MANY questions and made what we anticipated being a overwhelming process, actually doable.”

I couldn't have asked for a better person to help my fiancé and I through the home buying process. As a first time homebuyer, the whole process was super intimidating at first, but Emi made everything feel smooth and clear. She was so patient, answered all of our many MANY questions and made what we anticipated being a overwhelming process, actually doable. She always explained everything in a way that made sense to us and always made sure we felt comfortable before moving forward with anything. Aside from her being amazing at her job, she is someone I trust completely and it made such a difference having someone like her in our corner during such a big milestone. Soooo grateful for her and would 100% recommend her to anyone looking for a mortgage lender!!

Aubrey R.View on Google
“She has given her ALL to make our home buying journey as seamless as possible. And she has succeeded. She has researched and answered every single one of our questions and concerns.”

In this season of Family and HOME we want to share our immense gratitude for all that Emi Hartkopf Southard has given to make our Forever Home a reality. She has given her ALL to make our home buying journey as seamless as possible. And she has succeeded. She has researched and answered every single one of our questions and concerns. Her high level energy, her wisdom and patience have paved the way to a successful outcome. We are blessed beyond words for the privilege of having Emi Hartkopf as our mortgage loan officer. She is golden. She is the Real Deal. She will fight for your best interests every step of the way. Bravo, Emi. And THANK YOU ALWAYS

Response from Owner

I am blessed beyond words to have worked with YOU! Thank you :)

Carolina F.View on Google
“I'm a real estate agent, and Emi was the lender for some recent buyers of mine. She was incredibly proactive in keeping me informed of the progress of the loan, had competitive numbers that won my buyers over, was ready to close earlier than we needed to be...”

I'm a real estate agent, and Emi was the lender for some recent buyers of mine. She was incredibly proactive in keeping me informed of the progress of the loan, had competitive numbers that won my buyers over, was ready to close earlier than we needed to be, and made getting to closing look like a cake walk. If you're looking for a lender, Emi and the team at Portage will take excellent care of you!

Response from Owner

Thank you Robin! It was a pleasure working with you as well :)

“Emi & the team at Portage Bank made our first time home buying process so simple and stress free. Everyone told us how scary and hard it was going to be, but Emi answered all our "stupid" questions and was always available to help us out when needed.”

Emi & the team at Portage Bank made our first time home buying process so simple and stress free. Everyone told us how scary and hard it was going to be, but Emi answered all our "stupid" questions and was always available to help us out when needed. It felt like she truly went the extra mile to make sure we fully understood everything and were taken care of. I would 110% recommend Emi and the team at Portage to anyone looking to buy or refinance their home!

Amanda M.View on Google
“As a first time home buyer - I couldn’t imagine someone else helping me other than Emi. Responds to my texts so fast, answers all of my questions, makes sure I understand what is being said to me & walks me through EVERY step of the way.”

As a first time home buyer - I couldn’t imagine someone else helping me other than Emi. Responds to my texts so fast, answers all of my questions, makes sure I understand what is being said to me & walks me through EVERY step of the way. & on top of all that, the nicest person, doesn’t make you feel stupid & will be by your side through it all! I would not have been able to get through this process to buy a house without all of her help

Response from Owner

I am so glad we were able to help you through such a big milestone ! You are the best Abbie!

“Emi was so amazing to work with!!! She has amazing response time and puts in so much work to help you get what works for you !!”

Emi was so amazing to work with!!! She has amazing response time and puts in so much work to help you get what works for you !! I 100% recommend her she is amazing and so genuine!!! I could not have gotten my house without her !!!

Response from Owner

It was so great to work with you ! Thank you Mackenzie 😊

mackenzie B.View on Google
“From start to finish Emi was the best possible person I could’ve ever asked to work with! Not only did she make this whole process seamless but also answered all my never ending questions.”

From start to finish Emi was the best possible person I could’ve ever asked to work with! Not only did she make this whole process seamless but also answered all my never ending questions. Buying a home was such a scary thought but having Emi on my side made it feel so much less scary!

Gabbie G.View on Google
“Emi is a great loan officer. She is kind, very available, and professional. She answered all my questions from the beginning and to the end of my home-buying process.”

Emi is a great loan officer. She is kind, very available, and professional. She answered all my questions from the beginning and to the end of my home-buying process. Definitely recommend her if anyone needs help with mortgage!

“As a first time homebuyer, working with Emi was a great experience. She was knowledgeable, responsive, and always available to answer any questions my FiancĂ© had throughout the mortgage process.”

As a first time homebuyer, working with Emi was a great experience. She was knowledgeable, responsive, and always available to answer any questions my Fiancé had throughout the mortgage process. She made everything easy to understand and were proactive in keeping things moving smoothly. I appreciated her professionalism and support, and I would recommend to anyone looking for a lender they can trust.

“Emi is phenomenal. She led my husband and I through the entire home loan process and exceeded our expectations. Highly suggest!”

Emi is phenomenal. She led my husband and I through the entire home loan process and exceeded our expectations. Highly suggest!

Kendall J.View on Google
“Emi was so helpful and walked us through each step of the process. Would highly recommend!”

Emi was so helpful and walked us through each step of the process. Would highly recommend!

Amanda S.View on Google
“Working with Emi and her team was a great pleasure! They were informative and efficient, and worked hard to give the best pricing available!”

Working with Emi and her team was a great pleasure! They were informative and efficient, and worked hard to give the best pricing available!

Deanna P.View on Google
“Very helpful, friendly and knowledgeable! She was available to call or talk when most people would not be! I would recommend to all my friends and family!”

Very helpful, friendly and knowledgeable! She was available to call or talk when most people would not be! I would recommend to all my friends and family!