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 Traverse City, Michigan? Let’s Make it happen!
Looking for a mortgage lender near me in Traverse City Michigan? We’re here to help!
Your local lender at Arch Mortgage - North | Kirby and Angie offer tailored solutions for homebuyers and homeowners in Traverse City Michigan—from fha loans to conventional programs and more.
Hey there, Traverse City Michigan 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 Grand Traverse Michigan 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 Traverse City, 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 Traverse City, Michigan?
Local Expertise + Personalized Service
We’re more than just another mortgage company. We’re neighbors who understand Traverse City 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 Grand Traverse County area (Greater Traverse City, Michigan) 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
Kirby and Angie and the entire Arch processing team made the whole process of buying our first home in Traverse City Michigan a breeze! We were approved for an FHA loan despite lower credit, and the communication was top-notch every step of the way. Someone was always available to answer my million questions! Even on Saturday!
– Mandy D.
As a Traverse City realtor, I’m always hustling—showings at sunset, offers on weekends, the whole Northern Michigan grind. That’s why I send every buyer straight to Kirby and Angie. Their turnaround is lightning-fast and their communication is flawless; one of them picks up no matter when I call. My clients feel taken care of, I get the answers I need on the spot, and closings stay on track. Kirby and Angie aren’t just my go-to lending team—they’ve become trusted friends I rely on every day in this market.
– Jenn
Frequently Asked Questions (FAQs)
How do I get started with a mortgage in Traverse City Michigan?
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 Traverse City 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 Traverse City Michigan money or getting the equity cash out to pay off debts, do renovations, etc.
Ready to Move Forward with Your Traverse City 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!