Charlevoix Mortgage Lender | Kirby and Angie | Arch Mortgage - North
Empowering homebuyers with local expertise and personalized guidance—so you can secure the right mortgage, stress-free, and focus on finding your dream home.
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“Working with Angie was seamless from start to finish. She made the mortgage process easy to understand, found me a great rate, and kept me in the loop the entire time. I couldn’t be happier with my new home purchase!” – John D.
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“Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions along the way. I’ve never felt more confident buying a home!” – Mary G.
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⭐⭐⭐⭐⭐ “Working with Angie was seamless from start to finish. She made the mortgage process easy to understand, found me a great rate, and kept me in the loop the entire time. I couldn’t be happier with my new home purchase!” – John D. ⭐⭐⭐⭐⭐ “Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions along the way. I’ve never felt more confident buying a home!” – Mary G. ⭐⭐⭐⭐⭐
✔️Match or Beat other Lenders ✔️Clear to Close in 20 Business Days or Less! ✔️Tailored Loan Options
Charlevoix has that fairy-tale charm thanks to Earl Young’s whimsical Mushroom Houses—those stone cottages look like they sprang right out of a storybook. The double-leaf drawbridge over the Round Lake Channel is one of the last in Michigan, and it’s so much fun to watch it lift for passing boats. In the summer, the shores of Lake Charlevoix come alive with sailboats gliding by and waterfront cafés buzzing, making it the perfect spot to relax and soak up small-town harbor vibes.
Ready to Buy or Refinance you Home in Charlevoix, Michigan? Let’s Make it happen!
Your local lender at Arch Mortgage - North | Kirby and Angie offer tailored solutions for homebuyers and homeowners in Charlevoix Michigan—from fha loans to conventional programs and more.
Hello, Charlevoix neighbors! We’re Kirby and Angie—your trusted Michigan mortgage team.
Charlevoix is one of Northern Michigan’s most beautiful gems, and we’re proud to help local buyers and homeowners navigate its unique real estate market. Whether you're purchasing a charming cottage downtown, investing in a vacation home along the lake, or refinancing your current mortgage, we’ve got the perfect loan solution for you. From zero down options like USDA and VA, to FHA, conventional, and Jumbo loans for higher-priced lakefront homes—we’re here to make the process smooth. We even offer vacation and second-home financing for those iconic Charlevoix properties (yes, even near the Mushroom Houses!). If you’re looking for local lenders who genuinely understand this market, you’ve found us!
Comprehensive Mortgage Services for Charlevoix, Michigan
Here’s an at-a-glance view of everything we offer, so you can quickly find the right path to your homeownership or refinancing goals:
Free Mortgage Consultation
One-on-one guidance and advice on mortgage options.
Pre-Qualifications & Pre-Approvals
Assessing credit and financial readiness.
Providing formal pre-approval letters for home purchase offers.
Conventional Loans
Standard fixed-rate and adjustable-rate mortgages.
Specialized programs like Home Possible & HomeReady (for low-to-moderate income borrowers).
FHA (Federal Housing Administration) Loans
Low down payment options.
Flexible credit requirements.
VA (Veterans Affairs) Loans
Zero down payment for eligible veterans, service members, and surviving spouses.
No private mortgage insurance (PMI) requirement.
USDA Rural Development Loans
Zero down payment for qualifying rural properties.
Income-based eligibility.
Down Payment Assistance Programs
State or local grants, loans, or other incentives.
Guidance through application requirements.
Jumbo Loans
Financing above conforming loan limits.
Specialized qualification processes for high-value properties.
Construction Loans
Financing for building a new home.
Interest-only payments during the construction phase.
Renovation Loans
Funding for home improvements and repairs rolled into the mortgage.
Programs like FHA 203(k) or conventional rehab loans.
Home Equity Loans & Home Equity Lines of Credit (HELOCs)
Borrowing against existing home equity.
Suitable for larger expenses or debt consolidation.
Services for Real Estate Agents
Co-marketing and open house support.
Quick turnaround on pre-approvals for clients.
Regular communication throughout transactions.
Services for Builders
Coordinating financing options for new-construction projects.
Joint marketing to prospective buyers.
Refinance Options
Rate-and-term refinancing for better interest rates or terms.
Cash-out refinancing for accessing home equity.
Why Work With Kirby and Angie | Arch Mortgage North in Charlevoix, Michigan?
Local Expertise + Personalized Service
We’re more than just another mortgage company. We’re neighbors who understand Charlevoix and the State of Michigan inside and out. If you’ve been searching for a mortgage lender near me—someone you can call or drop by in person—you’ve found the right fit.
Fast Approvals & Competitive Rates
Time is precious. Our streamlined process helps you find a loan product quickly, secure competitive rates, and get to closing faster—whether you’re aiming for a conventional house loan, FHA mortgage, Jumbo Mortgage, Vacation Home Loan, Waterfront Property Loan, or VA loan. *Ask me about our “20 Day Clear to Close” and “Match or Beat” Programs!
A Community-Focused Approach
We’re committed to supporting Charlevoix area families and businesses. That means friendly, hands-on guidance, quick pre-qualifications, and real-time communication—so you always know where you stand.
Guidance for All Buyer Types
Our approach is inclusive. From the first mortgage loan for a first-time buyer to construction loans, we strive to be the best way to find a mortgage lender that’s genuinely invested in your success. Even if you don’t feel you are on the right path, Kirby and Angie will guide you and get you on the right path to homeownership!
Testimonials
"Buying a second home in Charlevoix was a dream come true, and Kirby and Angie made it a reality. We used a conventional loan with just 10% down, and they walked us through every step—answering our endless questions with patience and clarity. Even with the complexities of buying a vacation home, the process felt easy thanks to their team. Can’t recommend them enough!"
– Emily T.
"Kirby and Angie are my first call when I have buyers looking in Charlevoix. They know the nuances of financing waterfront and second homes, and they always find creative solutions—even when other lenders say no. Their communication is flawless, and I can trust them to guide my clients with care and expertise. They’re a real asset to our local real estate scene."
– Ben R.
Frequently Asked Questions (FAQs)
1. How do I get started with a mortgage in Charlevoix, Michigan?
It’s simple—just click Apply Now or Contact Us. We’ll help you figure out which loan option fits best, whether it’s a second home near the water, a full-time residence, or an investment property.
2. Are there zero or low down payment options available?
Yes! We offer USDA loans for eligible rural properties around Charlevoix, along with low-down FHA loans, VA loans for eligible veterans, and state down payment assistance programs.
3. What if I want to buy a vacation home or a high-end lakefront property in Charlevoix?
You’re in the right place. We specialize in second-home and vacation home financing, as well as Jumbo loans for higher-value properties along Lake Michigan or Lake Charlevoix.
4. Is refinancing my current mortgage in Charlevoix difficult?
Not at all. Whether you're looking to lower your rate, switch loan types, or do a cash-out refinance to renovate or invest, we make the process seamless and tailored to your needs.
Ready to Move Forward with Your Grand Rapids Michigan Mortgage?
Don’t wait to make your dreams happen. Whether you are buying your first home, upgrading, or refinancing, we want to be your go-to Local Lender in Michigan! Let’s get you Pre-Approved for a mortgage that meets your budget and timeline! Not Ready to Apply just yet? Schedule your Free Mortgage Consultation Today!