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ChoiceOne Mortgage Loan Center
Welcome to the ChoiceOne Mortgage Center! ChoiceOne Bank is locally owned and has been doing business in West Michigan for over 110 years.
ChoiceOne Bank offers a wide range of financing options. We offer a variety of loan programs, all with competitive rates and flexible repayment terms. We specialize in structuring loans that fit your individual needs. Our personal service, flexible underwriting, local decision-making, and rapid approval process are sure to make the entire process a positive experience.
Contact one of our mortgage professionals to guide you through the process. To start the mortgage process right away, select the "PreQualify" link now.
You can take advantage of all these services - 24/7
Mortgage Loan Programs
Conventional Fixed Rate Mortgage
This loan program offers principal and interest payments that are guaranteed to stay the same throughout the term of the loan. If you are looking for stability and plan to remain in your home for a long period of time, this may be the mortgage for you.
FHA Mortgage
This fixed rate mortgage offers a home purchaser a low down payment. Cash-out refinances are available at a Loan to Value that exceeds Conventional lending standards.
Guaranteed Rural Housing Mortgage
This fixed rate mortgage offers a low or no down payment purchase and refinance program designed for non-farm, rural single-family homes.
Conventional Adjustable Rate Mortgage
An adjustable rate mortgage (ARM) features a variable interest rate which is periodically adjusted. Generally, initial interest rates are lower than on fixed rate mortgages. These loans are especially attractive to home buyers who plan to move or trade up in the future.
Construction Mortgage
We specialize in construction-to-permanent loans for conventional and manufactured homes. All aspects of the construction process are managed locally from our headquarters in West Michigan. We have flexible terms and competitive interest rates that make payments affordable during the construction process and after you move in.
Blanket/Bridge Mortgage
This loan allows the customer to purchase or construct a new home prior to the sale of their existing home. The one loan secured by both residences often entails a smaller payment than would two separate loans. The payment is recalculated upon sale of the current residence.
Investment Property Mortgage
We have purchase and cash-out programs for the investor purchasing their first property or several properties.
Vacant Land Loan
This adjustable rate mortgage (ARM) is for individuals who would like to purchase vacant land prior to actually building a new house.
Rehap Loans
An adjustable rate mortgage (ARM) is available for financing the cost to purchase and rehabilitate a home in need of repair work. use of a licensed contractor is required.
MSHDA Mortgage
This state-funded program offers both fixed rate and step rate mortgage options with low down payment requirements and low interest rates.
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