buy or build a home

-or- explore programs

refinance your home loan

-or- explore programs


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.


Michael was great to work with on our home loan. He took time to answer all of our questions and made sure we understood what was happening at every step along the way. - Brad and Jenny

Michael Bartels is excellent - Christine N., Wyoming, MI

Dustin Louwaert was fantastic! He helped my wife and I with every detail and question we had. He always seem to make time for us and his communication skills were great. Thanks Dustin!

Josh Barthel my loan officer was outstanding. He went above and beyond to ensure that I was treated with honesty and respect. He's the only loan officer that I've ever had that our preliminary conversations lined up exactly with what my final numbers ended up being. No bait and switch here!


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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.