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Home Loans

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Your place to call home.

It’s just human nature to want your own space. So, it’s not surprising that owning a home is such an important goal for so many of us. And this is why we offer a number of Home Loan products to make it happen for you.

Optional Escrow

Here’s a way to save you money right off the bat—our optional Escrow Account. This is free to open, there’s no minimum balance required, and we actually pay you interest on the balance. On the flip side, most lenders require your escrow funds up front, and if you bundle those funds into your loan, you pay interest on that amount for the length of your mortgage term. How does this affect you? A $4,000 escrow account funded at 5.00% annual percentage rate, for example, could cost you up to $25,000 in interest over a 30-year term. Pretty easy decision, right?

Local Loans, Low Costs

Many financial institutions sell their mortgages. In this case, you end up dealing with a lender you don’t know and one that is usually located out of the area, state or even the country. On the other hand, we have never sold a real estate loan since our very beginning in 1951. And, we charge very low closing costs on our home loans, compared to other lenders. Plus, we do not charge any fees—closing costs are simply direct costs to us that are passed through to you.

Home Equity Products

Congrats. You already have a home. But now, you want to make improvements or build an addition. Or, you’re in a situation where you really need to consolidate all of your debt into one smaller monthly payment. Our home equity loan provides you with money to accomplish any or all of the above by tapping into the equity you’ve built up in your home. And here’s something you won’t hear anywhere else—we close the majority of our members’ home equity loans for FREE. The only cost you may incur is an appraisal, if one is needed.

Meet Our Mortgage Officers
Name Phone Number NMLS #
Tim M. Davis 231.439.1508 958710
Joni E. Hosler 231.439.1517 1068418
Zak M. Monroe 231.439.1513 1237377
Katie L. Radle 231.439.1545 977106

Protect your home and your family with Loan Protection & Insurance Services.

Welcome to the neighborhood. Feel free to drop by any convenient branch to meet with one of our loan specialists. Or, you can apply online. We’re looking forward to showing you what makes us truly unique.