Petoskey Michigan 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
Petoskey is all about finding those fossilized coral gems—the famous Petoskey stones—scattered along the shoreline like nature’s treasure hunt. Downtown, the Gaslight District charms me every time with its brick sidewalks and old-fashioned streetlamps that light up cozy shops and cafés. For a truly scenic ride, I recommend the 26-mile Little Traverse Wheelway; it hugs the bay’s curve and treats you to endless waterfront panoramas as you pedal or stroll.
Ready to Buy or Refinance you Home in Petoskey, Michigan? Let’s Make it happen!
Your local lender at Arch Mortgage - North | Kirby and Angie offer tailored solutions for homebuyers and homeowners in Petoskey Michigan—from fha loans to conventional, Jumbo Loans, Construction, Renovation Mortgage, Waterfront Property Home Loan programs and more.
Hello, Petoskey friends! We’re Kirby and Angie—your trusted local mortgage team with Arch Mortgage North.
Petoskey’s blend of resort-town charm and year-round living makes it a unique place to buy, refinance, or invest. Whether you're a first-time homebuyer looking for a foothold in the market or shopping for a second home with bay views, we’re here to help. From zero down USDA and FHA loans to conventional, VA, and Jumbo mortgages for higher-value lakefront homes, we’ll match you with the right solution. Need financing for a vacation property or a renovation project? We've got you covered. When it comes to mortgage lending in Petoskey, you're working with locals who truly understand the market.
Comprehensive Mortgage Services for Petoskey, 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 Petoskey, Michigan?
Local Expertise + Personalized Service
We’re more than just another mortgage company. We’re neighbors who understand Petoskey 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 Loans, Renovation, Construction, Waterfront Property Mortgage 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 Grand Rapids 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
"We bought a vacation home just outside of Petoskey and weren’t sure what to expect with the loan process. Kirby and Angie made everything feel simple—even with a second home purchase. They explained the Jumbo loan requirements clearly and helped us close fast. It felt like working with friends who had our back the whole time!"
– Samantha D.
"Kirby and Angie have become my go-to mortgage team for clients buying in Petoskey. From primary homes to vacation retreats, they know the ins and outs of financing in this market. Their responsiveness and creative solutions make every transaction smooth, and my clients consistently rave about their experience. Total pros."
– Kara M.
Frequently Asked Questions (FAQs)
1. How do I get started with a mortgage in Petoskey, Michigan?
Click Apply Now or Contact Us to get started. Whether you’re buying a vacation retreat near the bay or your forever home in town, we’ll guide you to the right loan program.
2. Are there zero or low down payment options available?
Yes! We offer USDA loans for eligible rural areas surrounding Petoskey, FHA for low down payment options, and even state down payment assistance programs. We'll find the best fit for your goals.
3. Can I finance a second home or luxury lakefront property in Petoskey?
Absolutely. We specialize in vacation home loans and Jumbo financing for high-value properties around Little Traverse Bay. We’ll help you turn your dream home into reality.
4. What if I want to refinance my current mortgage?
We make refinancing easy—whether you want to lower your rate, cash out for renovations, or switch loan types. Let’s talk about your goals and how we can help.
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!