Manton, Michigan Mortgage Lender | Kirby and Angie | Arch Mortgage - North
Welcome to Manton, Michigan — the hometown heartbeat of Arch Mortgage North.
Nestled between Cadillac and Traverse City, Manton is one of Northern Michigan’s best-kept secrets. Known for its tight-knit community, vibrant Amish presence, and rich lumbering history, Manton offers the perfect mix of rural charm and small-town convenience.
The annual Manton Harvest Festival and Lumberjack Competition brings families and friends together from across the region every September, celebrating our roots with chainsaw carving, parades, and good old-fashioned competition. At the heart of town is The Manton Station, a beautiful public space where community events, car shows, and summer concerts light up Main Street.
Locals and visitors alike love browsing Amish farm markets, roadside produce stands, and local shops that define this area’s authenticity. It’s the kind of place where your neighbors know your name, and the post office still greets you with a smile.
🧭 A Full-Circle: Angie’s Return to Manton
After spending 14 years away — attending college and launching her career in the Grand Rapids area — Angie Anderson returned to her hometown of Manton with a mission: to help families like yours plant roots here.
Now, as one half of Kirby & Angie at Arch Mortgage North, Angie brings hometown knowledge and big-market experience to every loan she touches. From farmland and fixer-uppers to second homes, cabins, manufactured homes, and new construction, she knows exactly how to navigate the unique opportunities Manton offers.
Our main office is right here on Main Street, and whether you're a longtime local, new to the area, or thinking about investing in rural property — we’re your local trusted mortgage team. It truly is Personal.
💼 Mortgage Services in Manton, MI
We specialize in:
✅ Home purchase loans & pre-approvals
✅ Refinance options (cash-out, rate-term)
✅ USDA Rural Development & FHA loans
✅ Construction & renovation financing
✅ Second homes, cabins & vacation properties
✅ Creative solutions for self-employed or non-traditional borrowers
We also help with down payment assistance programs, grant eligibility, and competitive loan structures tailored to your goals.
📍 Our Office
Arch Mortgage North
113 W Main St, Manton, MI 49663
(Located in the heart of downtown across from The Manton Station)
🔍 FAQs for Manton Homebuyers
Q: Are there special loan options for rural areas like Manton?
Yes! Many properties in and around Manton qualify for USDA Rural Development loans, which offer zero-down financing for eligible buyers. We work with these programs every day and can quickly determine your eligibility based on location and income.
Q: Can you help with homes on acreage or with older septic and well systems?
Absolutely. We’re experienced in rural lending, and we know the local property quirks — from unpaved roads and split parcels to dated septic systems and private wells. We work closely with appraisers, inspectors, and underwriters who understand Northern Michigan properties, so you don’t get tripped up by the fine print.
Q: Do you offer renovation or rehab loan options in Manton?
Yes — we can help with FHA 203(k) and Fannie Mae HomeStyle Renovation loans, which allow you to roll the cost of repairs or upgrades into your mortgage. This is perfect for buyers purchasing older homes in town or on the outskirts who want to make improvements without taking out a second loan.
Q: Are FHA loans available in Manton?
Yes! FHA loans are a great fit for buyers with lower down payments or less-than-perfect credit. They require just 3.5% down and allow for flexible underwriting. Many homes in Manton qualify, and we can help determine if it’s the right fit for your situation.
Q: Can you help with VA loans or VA construction loans in Manton?
Yes — we proudly help veterans secure VA home loans, including VA construction loans for those building their dream home from the ground up. If you're a veteran, you may qualify for 100% financing with no monthly mortgage insurance, whether you're buying an existing home or building new.
Q: Do you offer construction loans?
Yes! Whether you're working with a builder on a new home or doing a self-build on land in Manton, we have construction-to-permanent loan options to help you fund the project. We’ll guide you through builder approvals, draw schedules, and long-term financing from start to finish.
Q: Are there down payment assistance programs available in Manton?
Definitely. We work with MSHDA (Michigan State Housing Development Authority) and other grant programs that offer down payment assistance and closing cost help for qualified buyers. These are especially helpful for first-time buyers or lower-income households looking to stay within budget.
Q: How long does it take to close a mortgage loan in Manton?
Typically 30 to 40 days, depending on the loan type and whether the home needs special inspections (like for septic or repairs). We’re known for moving fast and keeping our borrowers informed every step of the way.
Q: Can I finance a second home or vacation property in Manton?
Yes! Whether it’s a cottage in the woods, a hunting cabin, or a weekend getaway close to family, we offer second home loans and investment property financing for seasonal or part-time use.
⭐ What Our Clients Are Saying
Phil Knight
6 weeks ago • ⭐⭐⭐⭐⭐
Arch Mortgage made securing our second home mortgage smooth and stress-free. Angie and her team were professional, responsive, and thorough, keeping us informed at every step. Excellent service and follow-up. I highly recommend!
Missy Steiner
7 weeks ago • ⭐⭐⭐⭐⭐
Both Angie and Kirby are always so willing to help out and go the extra mile for clients. I absolutely love working with them.
Amy Somers
9 weeks ago • ⭐⭐⭐⭐⭐
As always, another great experience with Angie and Kirby. I look forward to many more.
Sue Whipple
9 weeks ago • ⭐⭐⭐⭐⭐
Kirby and Angie are really on top of things. They work hard to find ways for their people to be successful. They are knowledgeable and eager to learn when it comes to helping people. They are next level!
Jaimie Fellows‑Garno
10 weeks ago • ⭐⭐⭐⭐⭐
If you’re looking for hard-working, dedicated loan officers, give Kirby and Angie a call! They work with integrity and know how to troubleshoot tough situations. Highly recommended!
Kristin Scholl
10 weeks ago • ⭐⭐⭐⭐⭐
Angie was a true rockstar! Every breakdown or doubt I had, she was right there talking me off the ledge. From start to finish, it was fast and smooth with ZERO hiccups! I wouldn’t hesitate referring her to all of my family and friends!
Vanny Siakhasone
12 weeks ago • ⭐⭐⭐⭐⭐
Kirby always delivers! Always happy!
🎯 Let’s Make Manton Home
Whether you're buying your first home, relocating back like Angie did, or looking for a peaceful weekend getaway — we’re here to help you every step of the way.