Your Local Trusted Northern Michigan Mortgage Lender | Clear to Close in 20 Days*
Kirby and Angie bring you Fast Closings, Local Expertise combined with a Stress-Free process!
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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
Whether you're buying your first cabin, building on family land, or upgrading to your dream lakefront home—our team has the local insight and speed to make it happen. Angie Anderson, born and raised in Northern Michigan, and Kirby Slocum, with over a decade of lending experience in the region, know what it takes to get deals done up north—fast, smooth, and stress-free.
Why Homebuyers Across Northern Michigan Choose Kirby & Angie
⭐⭐⭐⭐⭐ Kirby Slocum
I worked with Kirby on the purchase of my new home in Petoskey, and I honestly can’t believe how smooth the process was. He was always one step ahead—keeping me updated, explaining everything in plain language, and moving the loan along faster than I expected. I had a lot of anxiety going in, but Kirby made it feel easy. He really made me feel like I was his only client. Couldn’t recommend him more!
⭐⭐⭐⭐⭐ Angie Anderson
Angie made buying my first home in Grayling a dream. I had a million questions, and she never made me feel silly—always patient, responsive, and genuinely kind. She knew the ins and outs of RD loans and made sure I got the best option for my situation. Being from Northern Michigan herself, she understood exactly what I needed. It felt more like working with a friend than a lender. Total rockstar!
🏡 Mortgage Programs Popular in Northern Michigan
No credit check required. We’ll match you with the right fit based on your goals.From lakefront homes to family farms, Northern Michigan buyers have unique needs—and we’ve got the loan programs to match. Here are some of the most popular options we help local homebuyers and homeowners navigate every day:
✅ USDA-RD (Rural Development) Loans
Perfect for many parts of Northern Michigan, USDA loans offer zero down payment and flexible credit requirements. Ideal for buyers looking outside city limits who want affordability and a little extra space.
✅ VA Loans
Veterans and active-duty military members can take advantage of no down payment, no PMI, and competitive rates. Northern Michigan has a strong veteran presence, and we’re proud to help those who’ve served find their next home.
✅ FHA Loans
FHA financing is a great fit for first-time buyers and anyone with a lower credit score or limited down payment. Whether you’re buying a starter home in Grayling or a fixer-upper near Cadillac, FHA can offer a smooth path to homeownership.
✅ Conventional Loans
For well-qualified buyers, conventional loans offer flexibility and strong long-term options, especially for higher loan amounts or primary residences with 3%–20% down. Ideal for buyers upgrading or relocating across Northern Michigan.
✅ Manufactured Home Financing
Yes—we finance manufactured homes, even in rural areas! Whether the home is on private land or in a park, we’ll help you understand which loan types apply and how to ensure it meets permanent foundation and HUD code requirements.
✅ Renovation Loans (FHA 203k, Conventional Homestyle)
Found the perfect Up North property that just needs some TLC? Renovation loans allow you to buy and renovate with one loan—great for cottages, dated homes, or anything with potential.
✅ Construction Loans
Want to build your dream home from the ground up? We offer flexible construction loan options for primary and secondary residences across Northern Michigan—including vacant land financing and one-time-close options.
Let’s Compare My Loan Options
Tell us a few details and we’ll guide you to the best loan options for your Northern Michigan home.
No hard credit pull. Just helpful answers, fast. 🔒Secure Form.