buy or build a home

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refinance your home loan

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Your mortgage loan will be ready to close in 15 business days or less.**

Conforming Advantage

Save with Northpointe Bank's low mortgage rates. Guaranteed.*


Financing for qualified borrowers who have had a financial hardship such as a short sale.

Homeownership Opportunities Program (HOP)

Qualified buyers can receive up to $10,000 towards closing costs or a down payment.

Construction & Vacant Land

Financing for the construction of a new home with as little as 5% down.

Renovation Loan

Programs that allow for the purchase and rehabilitation of a home.


Options that allow for as little as 5% down.

FHA Loans

Financing with as little as 3.5% down and expanded qualifying ratios.

VA Loans

$0 down home financing options for active-duty military personnel, veterans, and their families.

Rural Development

$0 down home purchase financing program for buyers in eligible areas.

Jumbo Loans

Low rate options for loan amounts up to $2.5 million

Non Warrantable Condominium

Financing for newer condo projects that may not meet conventional program requirements

Doctor Loan

Physicians practicing or in residency may qualify for $0 down payment with no mortgage insurance.

Professional Loan

Home financing for established professionals for as little as 3% down without monthly mortgage insurance

MSHDA Options

Low down payment options for first-time and repeat home-buyers that are purchasing in Michigan.

Home Equity

Use available equity in your home for home improvement, debt consolidation, education, and more!

Home Affordable Refinance Program®

If you haven’t refinanced due to a decline in home value, you may be able to refinance to a lower interest rate or more stable mortgage.

Investment Properties

Financing options for 1-4 family rental properties.

Tribute to Freedom

When you purchase or refinance a home, we will donate $100 to organizations that serve the military.


Mike Bartels was easy to contact, very responsive and kept us updated continually throughout the pre-approval, application and final approval process. His rapid response to our initial preapproval request helped us submit a successful offer to purchase and eventually acquire the home of our dreams. I highly recommend him for your financing needs. - Steve

I wanted to take a moment to express my appreciation for your help and hard work. You are very prompt and excellent at what you do. I sincerely look forward to working with you in the future. - Corey

Alan Lacey is great. I've used him on multiple occasions and have referred multiple people to him. Honest and easy to work with, couldn't have been a better experience.

My wife and I started the process of qualifying for a mortgage with our old bank that we have been with for many, many, years. We started this process very early because we are self employed and knew that that adds additional hurdles. They kept changing what our qualifying factors would be, and sometimes they sounded confident other times not so much. The final straw was when we finally found our dream home and the sellers accepted our offer…… our old bank wasted the first 3 weeks of our 30 day contract doing NOTHING. Even though we presented our purchase agreement to them the day we signed it. This meant we would not close on time! Everyone involved was not happy. Our Realtor recommended us to speak with Stacy Miller-Kuiper. WOW, we were so impressed with the speed, accuracy, and certainty of her answers to our concerns. We closed on our new home in just over 10 days of meeting her for the first time, and that's impressive given that we are self employed. She knows almost all of the answers and the ones she doesn't know, she gets asap from the underwriters that are in her building, not a different state. We would highly recommend that you contact her for your mortgage needs.


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*Low rate guarantee: Northpointe Bank will match competitor offers or you’ll be credited $400.00 at loan closing.

*Low rate guarantee is available for purchase and refinance first mortgage transactions prior to locking in the interest rate with Northpointe Bank. Certain product exclusions may apply. A copy of the competitors Good Faith Estimate Loan Estimate or an acceptable alternative cost estimate worksheet is required. Competitor offer must be comparable to Northpointe Banks loan terms.

**For SimpleLoan eligible loan applications, Northpointe Bank will issue a Clear-to-Close status within 15 business days from the receipt of the borrower’s complete application (signed disclosure package and income documents) or rebate the borrower $300.00. Contact your loan advisor for program details. SimpleLoan is not a loan commitment and all applications are subject to credit review and approval. Denied, canceled, or withdrawn loan applications are not eligible for SimpleLoan.