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

Stacy at Northpointe Bank was awesome to work with. Cannot say enough good things about her! Our refinance loan closed in 24 days! Anytime I had a question she responded immediately! I would highly recommend Stacy and Northpointe Bank. Extremely satisfied with our refinance!

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

Mike did an excellent job of facilitating a loan for us where other lenders had failed to produce results! We are extremely pleased with his great work and professionalism throughout the process. - Robert

Casey and Amanda were very efficient , good communication , also helped us with our refinancing of my daughters condo a few weeks ago. Also use Casey for other deals as I am a real estate broker with Greenridge.

click

find a loan expert

- OR -

*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.