Mortgage Loan Programs

Fixed Rate Mortgage
Adjustable Rate Mortgage
Construction Mortgage
Blanket/Bridge Mortgage
Investment Property Mortgage
Vacant Land Mortgage

Fixed Rate Mortgage

This conventional loan with a fixed rate 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.

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 loan is for individuals who would like to purchase vacant land prior to actually building a new house. Down payment may be as little as 10%.