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We provided our first mortgage in 1900 — since then we’ve become one of the top home lenders along Michigan's West Shore. Turn to us when you’re ready.

  • Competitive, low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
      • Fixed rate for first 5 or 7 years, and adjusts annually thereafter. Available terms: 5-1, 7-1, up to 30-year amortization.
    • USDA Rural Housing Loans
    • MSHDA Loans
    • Jumbo Loans
    • Balloon Mortgages
    • Construction Loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approvals for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing in Northwest Michigan
  • Attentive, friendly service from start to finish

Enjoy the peace of mind that comes from knowing your mortgage payment and interest rate will never change over the life of the loan. 
Key features:

  • Principal and interest payment will not change
  • Different loan terms available to fit your needs

Consider a fixed rate mortgage if:

  • You plan to be in your house for more than 7-8 years
  • You have a fixed income
  • You want the security of knowing your monthly payment will fit within your budget

Can’t seem to find the home of your dreams? Build it!
Key features:

  • Allows you to build your primary or secondary home
  • Converts to a long term mortgage once home construction is complete
  • Offers predictability of knowing what your payments will be

Consider a construction loan if:

  • You will have your home built

For that vacation retreat or retirement home.
Key features:

  • Various financing options
  • Various term options to fit your budget

Consider Second Home financing if:

  • You're looking to find a secondary residence

Start those improvements that will make your house just right… right now.
Consider a home improvement loan if:

  • There are projects you don’t want to put off any longer
  • You want to increase the value of your house by adding a room or updating a kitchen
  • Longer terms for more affordable monthly payments
  • You want the security of knowing your monthly payment will fit within your budget