Our Loan Originators

Fred Ruff has been with FMS Bank for over 36 years and enjoys working with clients to help meet their personal financial goals.  He enjoys the personal relationships he develops with each of his clients.  Fred looks forward to visiting with you about which mortgage product best fits your situation.  There are many factors to consider when getting a home loan; interest rates are only one element of the complete package.  The financial aspects of home buying or refinancing can be stressful and overwhelming.  Fred will help you consider all your options so you can concentrate on making the best decision for your needs.  He will be there during the prequalification process through loan closing to get the home of your dreams.

Shelly Bristol has been in banking for 25 years.  She will consult with you to find the Mortgage product that best fits your needs and will work with you from start to finish.  Shelly is active in her community and participates in many community organizations.  Shelly is always looking forward to meeting and helping people meet their dreams.

Tracy began her banking career in Greeley in 1996 as a mortgage loan processor.  Tracy learned the different aspects of the mortgage business and was soon helping people to realize their dreams of home ownership.  Tracy’s philosophy is that sometimes you need to counsel people and work with them in order for them to accomplish their goals even if it takes some time to get there.   Working for a Community Bank is important to Tracy as she feels they are able to offer the greatest amount of flexibility and service to their customers.

Tracy understands that giving back to your community is a privilege and something everyone should do.  She has served on the Weld County Fair Board as Treasurer and President and the Greeley Philharmonic Orchestra board of directors as Vice President & President.  She has also served on the Greeley Area Board of Realtors Community Reinvestment Committee and the Affiliate Committee.

Jeff Morford has been a resident of Morgan County since 1996. His banking career began in 1989 and includes experience in mortgage origination, commercial and consumer lending. Jeff takes pride in helping the community and work with you to find the best loan product to your personal needs. In his time in Fort Morgan, he has served 22 years with the Fort Morgan Fire Department, President of the Fort Morgan Area Chamber of Commerce and President of the Fort Morgan Hospital Foundation Board.