buy or build a home

-or- explore programs

refinance your home loan

-or- explore programs

SimpleLoan

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.*

FreshStart

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.

Conventional

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 your choice of three organizations that serve the military.

WHAT CLIENTS ARE SAYING

Just wanted to say we love the new house! Thank you so much for all you did. I uploaded photos of some things we have done to it. You should see it. Thank you again! - Tawnyna

Thank you so much for everything you did for the purchase of our home. You truly went above & beyond and we are sincerely thankful. - Chris & Elizabeth

Mike has done a great job for me. He has great products and even more important is his high level of integrity. I have recommend him to several of my friends and family. - Jake

After working with a few lenders on a new home purchase the process wasn't going well until we were referred to Stacy Kuiper at Northpointe Bank. She was awesome to work with and was very quick and responsive at all times. We were able to close on our dream home within 30 days and it was a very positive experience. I would highly recommend Stacy & Northpointe Bank!

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

**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.