I have A Loan for Every Situation

No two borrowers are alike, and that’s why I proudly offer a wide range of loan products to suit your unique needs:

Conventional Loans – Ideal for those with solid credit and a stable financial history. Competitive rates and flexible terms make this a popular choice.
FHA Loans – Perfect for first-time homebuyers or those with limited credit history, offering lower down payment options and relaxed credit requirements.
VA Loans – Honored to serve our veterans and active-duty service members with exclusive benefits like zero down payments and competitive rates.
Jumbo Loans – For luxury properties or high-value homes exceeding conventional limits, offering flexible financing options.
USDA Loans – Supporting rural homebuyers with zero down payment options for properties in eligible areas.
Renovation Loans – For homeowners looking to finance improvements, repairs, or upgrades while purchasing or refinancing their home.
Refinance Options – Whether you're seeking lower monthly payments, better interest rates, or cashing out on equity, we’ll explore the best options for you.

my Smooth, Streamlined Approval Process

Applying for a mortgage shouldn’t be stressful. I’ve designed a process that keeps things simple, transparent, and efficient:

Personal Consultation – Let’s discuss your goals, financial situation, and loan preferences.
Pre-Approval – I’ll help you understand your budget and strengthen your position as a buyer.
Customized Solutions – Tailoring the right loan product to fit your life and financial needs.
Stress-Free Documentation – Providing clear guidance on paperwork and ensuring every detail is in order.
Closing Day Celebration – Finalizing your loan and getting you the keys to your dream home!

With me by your side, you'll always know what to expect at every step of the journey. I am here to help you; I am your Lender for Life.

Coming Soon: Specialized Loan Solutions for Tougher Deals

I’m thrilled to announce a new dedicated resource for borrowers facing unique challenges. Whether you’re a first-time homebuyer, self-employed entrepreneur, or navigating complex financial situations, I’m expanding my services to help with:

Gaps in 2 Year Employment History
Creative financing Options for the Self-Employed
Down payment assistance programs for First-Time Homebuyers (and depending on location, previous home owners)
Solutions for credit challenges and debt-to-income hurdles.

No matter how tough the deal, I believe every borrower deserves a fair shot at homeownership. Stay tuned for updates on this exciting new offering! Can’t wait? Click Here to get started with your Free Mortgage Consultation.

Why Work with Me?

As a Mortgage Loan Officer, I pride myself on personalized service, expert advice, and an unwavering commitment to your success. I am not just here to close loans—I’m here to build lasting relationships based on trust and results.

Contact Me Today!

Ready to take the first step toward your dream home? Reach out today for a free consultation, and let’s explore how I can make your mortgage process smooth, successful, and uniquely yours. Click the link for your Free Mortgage Consultation to get started. Or, feel free to contact me at 616-581-6123 via text or call.

I have A Loan for Every Situation

my Smooth, Streamlined Approval Process

Coming Soon: Specialized Loan Solutions for Tougher Deals

Contact Me Today!

Your Trusted Northern Michigan Mortgage Team | Kirby and Angie | Arch Mortgage North