Northern Michigan Mortgage Lender | Kirby and Angie | Arch Mortgage - North
Why mortgage rates jumped after the Fed’s rate cut — and what it means for Michigan
On September 17, 2025 the Federal Reserve cut its key rate by 0.25 percentage point. Instead of falling, mortgage rates briefly jumped because investors had already priced in the cut and then sold off mortgage bondsdeseret.com. The blog explains how mortgage rates are tied to the bond market rather than directly to the Fed, and it outlines what Michigan homebuyers should watch for in the coming monthsdeseret.com.
Rates Are Lowest Since October 2024 – What It Means for Buyers & Homeowners
Mortgage rates have dipped to their lowest level since October 2024, giving today’s buyers more buying power and opening refinance opportunities for homeowners who purchased in the past 24 months. Learn why this shift matters and how to take advantage of it in Michigan.
🏡 The Ultimate Guide for First-Time Homebuyers: Preparing Your Credit & Finances for Pre-Qualification
Credit score holding you back from buying a home? Kirby and Angie share real strategies for Michigan buyers to boost their scores, fix credit issues, and get mortgage-ready — fast. Your first home starts with smart prep!
🏡 Stop Being Your Landlord’s Favorite Charity — Own Your Home in Less Than 90 Days
Still paying your landlord’s mortgage instead of your own? Kirby and Angie help Michigan renters break the cycle of rent and start building real equity — even with little to no money down. Stop giving your landlord free money and start investing in YOU.
💳 First-Time Homebuyer’s Guide: Boost Your Credit Score for Mortgage Approval
Buying your first home? Kirby and Angie’s Ultimate Guide walks Michigan buyers through every step — from boosting your credit to getting pre-approved. We simplify the mortgage process so you can buy with clarity, confidence, and a plan that works.
🏠 Buying vs. Renting in Northern Michigan: Which Move Builds Real Wealth?
Still renting? It might be costing you more than you think. Kirby and Angie break down the real pros and cons of buying vs. renting — and help Michigan families decide when it's time to stop renting and start building equity in a home of their own.
Tackle high-interest debt with a cash-out refinance
Facing high-interest debt? Kirby and Angie, your trusted Northern Michigan mortgage team, can help you tap into your home’s equity with a cash-out refinance — and turn monthly stress into financial freedom.
Hard Pull vs. Soft Pull: What Every Michigan Homebuyer Needs to Know About Credit Checks
Wondering if a mortgage credit check will hurt your score? Kirby and Angie break down the difference between hard and soft pulls — so Michigan borrowers know what to expect when buying a home.
✅ Do’s and Don’ts During the Mortgage Process
Ready to buy a home in Michigan? Kirby and Angie share the must-know mortgage dos and don’ts that can make or break your approval — avoid costly mistakes and close with confidence.
✅ Mortgage Pre-Approval Checklist: What Michigan Homebuyers Need to Get Started
Get mortgage-ready with Kirby and Angie’s Pre-Approval Checklist! We help Michigan buyers gather what they need to prove they’re serious, qualified, and ready to make an offer.