buy or build a home

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refinance your home loan

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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.

WHAT CLIENTS ARE SAYING

Mike handled my recent home loan purchase and did a fantastic job. Myself being a first-time home buyer, he was very helpful with educating me throughout the process. His knowledge-base and excellent follow-through are rare assets in the business world today. I would highly recommend him to anyone looking for a loan officer. - Doug

We just wanted to say Thank You! We appreciate everything you did to help us get into our home! Thanks for your patience and understanding as this was our first experience. You made our experience very good; free of stress. We are happy to pass your name along! Keep up the good work! - Patrick & Peggy

Casey Vinton and Amanda were very helpful and responsive.

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.