Lake City Michigan Mortgage Lender | Kirby and Angie | Arch Mortgage - North
Welcome to Lake City, Michigan — a picturesque and growing community nestled within Missaukee County. While our Arch Mortgage North team has a virtual office at City2Shore, we remain fully committed and accessible, offering the same hands‑on, local knowledge that Kirby & Angie bring everywhere.
Lake City Mortgage Lender | Kirby & Angie – Arch Mortgage North
We help Lake City residents with:
Home purchase financing (first‑time buyers, resale, new build)
Refinance options (rate & term, cash‑out)
Conventional, FHA, VA, USDA loan programs
Financing for investment properties or vacation/second homes
Home equity / HELOC options
Specialized support for rural or lake‑adjacent properties
Why Choose Arch Mortgage North in Lake City
✔ Local insight into Lake City property nuances — lake proximity, small town zoning, utility issues, etc.
✔ Familiar with City2Shore, so if you want to meet in person, we can use that physical location.
✔ Transparent guidance through the process — from comparing local home insurance, flood or lake‑zone premiums, to realistic expectations on repairs or land utilities.
✔ Full suite of financing options — whether you’re buying, refinancing, or investing.
✔ Committed support, even for remote clients or virtual meetings, with clear communication, fast responses, and respect for your time.
🗣️ Testimonials
“Kirby & Angie made buying our first home in Lake City such a smooth process. They explained every step, got us pre-approved quickly, and even met us at the City2Shore office when we needed to sign documents in person. They truly care about their clients.”
— Alex & Morgan, Lake City, MI
We thought refinancing our lake cottage would be a nightmare. Kirby & Angie knew exactly how to handle second home financing, walked us through insurance and appraisal expectations, and saved us thousands in the long run. Highly recommend them to anyone!”
— Dave, seasonal homeowner near Lake Missaukee
🏞️ Lake City, Did You Know?
Lake City is known as “Michigan’s Christmas Tree Capital” 🌲
Lake Missaukee offers 1,880 acres of water for boating, fishing, and summer fun
With a population of around 800 full-time residents, Lake City is a small town with big charm
Over 40% of properties in the area are seasonal or vacation homes — perfect for weekend getaways or second home investments
Home values have increased nearly 10% in the last year — now is the time to buy or refinance
🤝 Why Work with Kirby & Angie at Arch Mortgage North
When you work with Kirby & Angie, you're not just getting a mortgage — you're gaining local experts, trusted partners, and a personalized experience from start to finish.
Here’s what sets us apart for Lake City buyers, homeowners, and investors:
✅ Local Knowledge You Can Trust
We know Lake City — from downtown neighborhoods to lakefront cottages and rural properties. We understand local zoning, water/septic issues, and how to structure loans that make sense for the area.
✅ Flexible Meeting Options
We still operate virtually in Lake City using our partnership with City2Shore — so whether you prefer a phone call, Zoom, or sitting down face-to-face on Main Street, we're here for you.
✅ Fast, Friendly, and Thorough
Whether you’re buying your first home or refinancing your tenth, we move fast, stay in touch, and explain every step in plain English. Our goal is to make this process stress-free and smooth.
✅ Creative Problem Solvers
Self-employed? Buying a second home? Using gift funds? We’ve seen it all and have the tools, experience, and lender connections to get your deal done — even when others can't.
✅ Locally Rooted. Results Driven.
We live and lend in Northern Michigan — so we’re as invested in this community as you are. Our reputation is built on referrals, happy clients, and getting families to the closing table.
🎯 Ready to take the next step?
We’re here to help — whether you're ready to apply or just need advice. Let's talk about your options and build a plan together.