East Jordan Michigan Mortgage Lender | Kirby and Angie | Arch Mortgage - North
Hello East Jordan neighbors!
We’re Kirby & Angie with Arch Mortgage North, and our brick‑and‑mortar office is now in East Jordan, Michigan. If you're looking for a trusted local mortgage lender who understands the unique housing, cottage, and lake‑life markets here — you’ve come to the right place.
East Jordan Mortgage Lender | Kirby & Angie – Arch Mortgage North
Local Expertise in East Jordan Home Loans
East Jordan is a beautiful community known for its waterfront views on Lake Charlevoix & Lake Jordan, historic downtown charm, and seasonal homes. We know the local real estate market intimately — from property values to lakefront requirements, zoning quirks, and what local appraisers expect. That knowledge helps you get the loan you need with fewer surprises.
Our Mortgage Services Available to East Jordan Residents
We offer a full suite of mortgage products & services, customized for East Jordan:
Free Mortgage Consultation — walk you through all your loan options
Pre‑Approval & Pre‑Qualification — so you know your budget before you start shopping
Conventional & Fixed‑rate Mortgages
FHA & VA Loans — including flexible options for first‑time homebuyers
USDA & Rural Mortgages (where applicable)
Jumbo Loans — for higher‑priced waterfront or second homes
Refinance Options — rate/term, cash‑out, debt consolidation
Vacation Home & Second Home Financing — ideal for seasonal properties around East Jordan
Home Equity Loans / HELOCs
Construction or Renovation Loans — for homes needing updates or custom builds
Why Choose Kirby & Angie in East Jordan
✔️ Local Office & Local Team – stop in person, see your lender, get personal service
✔️ Competitive Rates & Fast Turnaround – we work hard to be efficient and transparent
✔️ Understanding Lakefront / Cottage & Seasonal Properties – we’ve financed many properties around lakes, so we get what matters to you
✔️ Down‑Payment Assistance & Special Local Programs available in northern Michigan
✔️ Friendly, Communicative Process – we walk you through each step, no jargon
Testimonials
“Kirby & Angie helped us buy our cottage on the lake in East Jordan. Their guidance through the appraisal process, septic questions, and waterfront information was invaluable.” — Mark and Patti
“Refinancing with them was smooth; I felt they really understood what I needed and helped me save money.” — Tim
💬 Frequently Asked Mortgage Questions in East Jordan
❓1. What is the current median home price in East Jordan, and how fast are prices rising?
As of late 2025, the median listing price in East Jordan is hovering around $260,000 to $285,000, depending on location and property type. Homes near the Lake Charlevoix shoreline or with acreage may be priced higher.
👉 Over the past 12 months, we’ve seen steady appreciation in East Jordan, with many homes selling within days of being listed.
If you're on the fence about buying now or waiting, we can help you break down how price trends, loan rates, and long-term costs stack up — because the cost of waiting can be more than just a higher price.
❓2. What kinds of properties are affordable in East Jordan?
East Jordan has a diverse mix of homes — from small in-town starter homes to sprawling lakefront cottages and off-the-grid acreage.
$175k–$225k: Smaller 2–3 bedroom homes in town
$225k–$300k: Updated family homes, small lake access cottages
$300k–$500k+: Waterfront homes, newer builds, land parcels
We’ll walk you through what loan programs and down payment options are available based on your budget — and we’ll help you understand what’s realistic in today’s market based on your financial goals.
❓3. What are typical utility or land-related costs (sewer, well, septic) in East Jordan?
Depending on the property you buy, you may encounter:
City Sewer/Water — Available in town and in some platted subdivisions
Private Well & Septic — More common outside of town or on acreage
Maintenance Costs — Well pump or septic field issues can add $3,000–$15,000 if replacement is needed
Additional Inspections — Most rural loan types (like USDA, VA) require a well/septic inspection, which we help coordinate.
We’ll guide you through what to expect during inspections — and help you factor these into your budget or request seller concessions if needed.
❓4. What options exist for financing a vacation, seasonal, or second home in East Jordan?
East Jordan is a popular spot for second homes thanks to its proximity to Lake Charlevoix and Jordan Valley.
We offer:
Second Home Conventional Loans — Typically require 10–20% down
Portfolio or Jumbo Loans — Great for higher-end lakefront properties
Vacation Home Financing — With flexible terms, especially if you plan to occupy part-time
HELOCs or Cash-Out Refinance — If you’re leveraging equity from your primary residence
🏡 Whether you're buying a weekend getaway or a future retirement home, we’ll help you secure the financing that fits your goals and timeline.
❓5. What long-term costs should I expect as a homeowner in East Jordan?
East Jordan living is beautiful — but Northern Michigan weather and lake proximity bring a few unique long-term considerations:
Winterization & Heating — Expect higher heating bills and seasonal prep if the home isn’t occupied year-round
Snow Removal — Essential for driveways and lake cottages
Maintenance — Roofs, windows, and foundations wear differently near water
Flood Insurance — May be required near the lake or Jordan River
Tourist Traffic — Great for Airbnb rentals, but consider impact on privacy and property use
We help you understand what costs to expect — beyond the monthly mortgage — so you can feel confident in your long-term decision.
Get Started Today – Your Free Consultation
If you’re ready to buy, refinance, or simply want to explore your options, let’s talk.
Apply Now or Schedule Your Free Mortgage Consultation — we’ll work with you one‑on‑one to find the best path forward in East Jordan.