Northern 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
Ready to Buy or Refinance you Home in Cadillac, Michigan? Let’s Make it happen!
Your local lender at Arch Mortgage - North | Kirby and Angie offer tailored solutions for homebuyers and homeowners in Cadillac Michigan—from fha loans to conventional programs and more. Your Preferred Lender for Construction, Manufactured Home Financing, and Stick Built Homes in Wexford County Michigan!
Hey there, Cadillac Michigan and Surrounding Wexford County neighbors! We’re Kirby and Angie! Your Preferred Michigan Mortgage Lender. As a local lender, we believe the best way to find a mortgage lender is to pick someone who truly understands our Cadillac Michigan area market. Whether you’re a first-time homebuyer, a real estate investor, or just looking to refinance, we’ve got you covered. We offer everything from zero down mortgage programs to fha loans, conventional options, and more. If you’re searching for the perfect place to find a lender who cares, you’re in the right spot!
Comprehensive Mortgage Services for Cadillac, 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 in Cadillac Michigan:
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 Cadillac, Michigan?
Local Expertise + Personalized Service
We’re more than just another mortgage company. We’re neighbors who understand Cadillac 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, 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 Cadillac and Wexford County Michigan 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
Buying our first home in Manton (Wexford County Michigan) could’ve been overwhelming, but Kirby, Angie, and the whole Arch Mortgage team made it feel easy. We were nervous about qualifying with less-than-perfect credit, but they helped us get approved for an FHA loan and walked us through every step. The communication was amazing—someone was always there to answer our (many!) questions, even on the weekends. We felt supported the entire way and couldn’t be more grateful!
– Ryan L.
As a real estate agent in the Cadillac area, having a dependable lending team makes all the difference—and that’s exactly what I have with Kirby and Angie. Their response time is incredibly fast, and their communication is consistently clear and professional. Whether it’s a late-night question or a weekend offer, one of them is always there for me and my clients. In this business, that kind of reliability is gold. They’ve become more than just my preferred lenders—they’ve become trusted partners and genuine friends.
– Amy S.
Frequently Asked Questions (FAQs)
How do I get started with a mortgage in Cadillac Michigan and the surrounding Wexford County area?
The simplest way is to Apply Now or Contact Us. We’ll help identify the loan program—FHA, conventional, etc.—that fits your goals.
Are there zero or low down payment options available?
Yes! We offer FHA loans, USDA for rural areas, and even state down payment assistance programs. It’s our job to help you find the right fit.
What if I want to build or renovate in and around Cadillac Michigan?
We have construction loans and renovation loans (like FHA 203(k)) that roll your building or repair costs into the mortgage.
Is it hard to refinance my current mortgage?
Not at all. We handle rate-and-term or cash-out refinances—saving clients in Cadillac Michigan money or getting the equity cash out to pay off debts, do renovations, etc.
Ready to Move Forward with Your Cadillac 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!