Mortgage Team

Make your homeownership dreams come true!

Whether you are a first-time homebuyer or an experienced homeowner, our team of mortgage professionals is committed to helping you achieve your homeownership goals.  We will take the time to understand what is important to you so we can provide the personalized attention you deserve.

You’ll benefit from:

  • Fast, FREE pre-approvals . . . so you can feel confident making an offer on your dream home, knowing exactly how much house you can afford.
  • Approval in minutes, not days . . . so you don't spend days worrying and wondering. You’ll have less stress, and get a quicker closing date for your home loan.
  • Personal, professional assistance . . . that will answer all your questions, keep you updated, and keep you fully informed of your options throughout the home buying process.

Contact a KFS Lender today!

Joshua A. Ward
Joshua A. Ward, Loan Officer

NMLS #1779357

About Joshua A. Ward

Joshua offers Kennebec Federal Savings customers more than 20 years of in-depth banking experience, 10 years of which have been in the Waterville area.  Joshua’s broad financial knowledge allows him to bring various mortgage options into a perfectly-tailored package of financial services that’s exactly right for each customer.

In addition to being a Notary Public, Joshua is a Dedimus Justice, a lifetime appointment which he received from the Governor of Maine.  Raised a “military brat,” Joshua has lived in eight states and visited 22, but lives in the Waterville area because he likes Maine best.

Contact Joshua A. Ward:

Call 207-873-5151 or toll-free 1-888-249-0606.

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Joshua Herlihy, Branch Manager

NMLS #1779359


About Joshua Herlihy

Joshua brings over 10 years of customer service experience and 6 years of banking experience to support your banking and financing needs.   Joshua specializes in helping homeowners utilize the equity in their home to achieve their goals through home-equity lines of credit and second mortgages loans.

Joshua has been with Kennebec Federal Savings since 2013.  A resident of the area all his life,  Joshua has keen knowledge of the local area, its people, and their banking needs.

Contact Joshua Herlihy:

Call 207-873-5151 or toll-free 1-888-249-0606.



Our KFS team members are ready to answer your questions and help you find the perfect mortgage for you. Please call 1 (888) 249-0606 or email for more information about our mortgage services. 

For your protection, do not send personal or confidential information such as account numbers, social security numbers, passwords or PINs via email.


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