Grand Rapids, Michigan Mortgage Lender | Kirby & Angie | Arch Mortgage North
Helping Grand Rapids buyers and homeowners with clear answers, fast closings, and mortgage options that fit your life — because with Kirby & Angie, it’s personal
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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
Grand Rapids still wears its “Furniture City” roots proudly but has morphed into an arts powerhouse, with galleries and street murals in repurposed warehouse spaces. I love spending an afternoon at Frederik Meijer Gardens & Sculpture Park, where tropical conservatories meet giant outdoor artworks for a perfect mix of nature and culture. And when it’s time to unwind, the West Michigan Craft Beer Trail’s 80-plus breweries guarantee there’s always a new local brew waiting to be sampled.
Welcome to Grand Rapids Home Loans
Your local lender at Arch Mortgage - North | Kirby and Angie offer tailored solutions for homebuyers and homeowners in Grand Rapids Michigan—from fha loans to conventional programs and more.
Looking for a mortgage lender near me in Grand Rapids Michigan? We’re here to help!
Grand Rapids is one of Michigan’s fastest-growing cities, known for its art scene, craft breweries, and family-friendly neighborhoods. Whether you’re a first-time buyer or a seasoned homeowner, finding the right mortgage is one of the most important steps you’ll take.
Kirby & Angie at Arch Mortgage North are here to make it simple. They help buyers and homeowners across Grand Rapids and West Michigan with clear answers, competitive rates, and a promise: it’s personal.
Mortgage Services in Grand Rapids, Michigan
Conventional Loans
Conventional mortgages are the most common loan option in Grand Rapids. With as little as 3% down, they’re great for buyers with strong credit who want stable payments. Once you reach 20% equity, private mortgage insurance goes away, lowering your monthly cost.
FHA Loans
FHA loans help buyers with lower credit scores or smaller savings. With only 3.5% down required, many first-time buyers in Grand Rapids use FHA to get into their first home sooner. FHA also allows gifts for down payment, making it flexible for families helping out.
VA Loans
Grand Rapids has a proud veteran community, and VA loans are one of the best benefits available. Eligible service members and spouses can buy with zero down, no PMI, and often lower rates than conventional loans.
USDA / Rural Development
Looking at homes outside the city? Areas near Grand Rapids may qualify for USDA loans with zero down payment. Perfect for families wanting more space and affordable monthly payments.
HELOC & Home Equity Loans
Already own in Grand Rapids? Tap into your equity with a HELOC (revolving line of credit) or a fixed home equity loan. Great for home improvements, debt consolidation, or education costs.
Jumbo Loans
For homes above the conforming loan limit ($766,550 in Michigan), a jumbo loan gives you financing power with flexible terms. Ideal for Grand Rapids neighborhoods with higher-priced properties or second homes.
Construction Loans
If you’re building in West Michigan, a construction loan covers the process start to finish. Kirby & Angie offer one-time close loans (construction + permanent financing in one) and traditional two-time close options.
Renovation Loans
Buying a fixer-upper in Grand Rapids? A renovation loan combines purchase + renovation costs into one loan. Options like FHA 203(k) or HomeStyle® let you update older homes with modern upgrades.
Refinancing
Homeowners in Grand Rapids who purchased in the last 24 months may be able to lower their payments or shorten their loan term with a refinance. Cash-out refinancing also allows you to use your equity for larger financial goals.
Why Work With Kirby & Angie
Local mortgage experts who know Grand Rapids and the West Michigan market.
Clear to Close in 20 Days guarantee — fast, efficient closings.
Match or Beat Program — they’ll match or beat your mortgage offer.
Real conversations and personalized service — because for them, it’s personal.
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 | Five-star Google review for Kirby & Angie mortgage services in Grand Rapids.
⭐⭐⭐⭐⭐ 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!
– Phil Knight
⭐⭐⭐⭐⭐ Angie and Kirby are top notch in all aspects. Their teamwork and communication through the process was stellar. Resulting in a smooth transaction and very happy clients. As a Realtor, it’s reassuring to know I can refer Arch Mortgage with nothing but confidence!!
– Adam Ziegler Realtor
Frequently Asked Questions (Grand Rapids Buyers Ask)
What credit score do I need to qualify for a mortgage in Grand Rapids?
It depends on the loan program. Conventional loans usually require a higher score, while FHA is more flexible with credit. VA and USDA also allow lower scores if you qualify. Kirby & Angie review your full profile to see where you stand and help you make a plan.
How much house can I afford in Grand Rapids?
Your monthly payment includes principal, interest, property taxes, homeowner’s insurance, and—if required—mortgage insurance. Kirby & Angie help you calculate affordability so you know your budget before you start house-hunting.
What loan type is best for me—FHA, Conventional, VA, or USDA?
Each loan type has different benefits. FHA helps buyers with smaller down payments and flexible credit. Conventional is strong for those with higher scores. VA offers zero down and no PMI for veterans, and USDA can provide zero down for eligible rural areas around Grand Rapids. Kirby & Angie walk you through which fits your goals.
How much do I need for a down payment? Is zero down possible?
Some programs, like VA and USDA, allow zero down if you qualify. FHA requires just 3.5% down, and conventional loans can start as low as 3%. There are also down payment assistance programs in Michigan. Kirby & Angie help you explore every option.
What are closing costs and who pays them?
Closing costs are fees for things like the appraisal, title work, and lender services. They typically run 2–5% of the home price. In some cases, sellers can contribute toward these costs. Kirby & Angie provide an estimate early so you know what to expect.
How long does the mortgage process take from start to finish?
With documents in order, Kirby & Angie often get loans clear to close in about 20 days. Timelines can vary depending on the loan program, but their process is designed to keep things moving quickly.
Do mortgage rates change by city in Michigan?
Not really. Rates are based on your credit, loan type, and down payment—not your ZIP code. What can change is your total monthly payment because property taxes and insurance are different across cities.
Can I refinance if I bought my home recently?
Yes. If today’s rates are lower than what you have, or if you want to shorten your loan term or pull cash out, refinancing may make sense. Kirby & Angie can run a break-even calculation to show if it’s the right move.
Get Started Today
Ready to buy or refinance in Grand Rapids?
📲 Apply online now, or call/text Kirby & Angie to start your free mortgage consultation.
Kirby Slocum & Angie Anderson
Arch Mortgage North | 616-581-6123 OR 231-709-3136