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

In this world of shady mortgage practices, Mike Bartels is a bright light. He is honest and hard working, with high moral standard. I've worked with him myself, and recommended him to my family and friends. Do yourself a favor, spend a few minutes learning how Mike can help you with your mortgage needs. - Tony

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

Hello Doug, I just want to thank you for all the work on my house loan. The closing went well, and this house is certainly worth the wait. Again, Doug I can’t thank you enough. Martha

Dear Doug, Thank you so much for being a great partner in our home purchase process. We appreciate you being such a wonderful advocate on our behalf. Jona and Jeremy

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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.