Rather than using cash for a down payment, apply it towards a lower interest rate and shorter loan term.
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.
$0 down home financing options for active-duty military personnel, veterans, and their families.
Non Warrantable Condominium
Financing for newer condo projects that may not meet conventional program requirements
Physicians practicing or in residency may qualify for $0 down payment with no mortgage insurance.
Home financing for established professionals for as little as 3% down without monthly mortgage insurance
Low down payment options for first-time and repeat home-buyers that are purchasing in Michigan.
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.
The Northpointe team was very organized, professional and took extreme care in making sure I had everything I needed. It is for this reason that I have full confidence and trust this institution. I will continue to choose Northpointe Bank for my loan needs.
I have recommended Northpointe to my clients for over 10 years. So, when my husband and I were going to refinance our home a few years ago we called Northpointe. The whole closing went off without a hitch. I will continue to trust Northpointe with my personal mortgage needs as well as my client’s needs.
I chose Northpointe Bank for my refinancing based on two factors: 1) Good rates coupled with closing costs and 2) Good reviews on the Zillow site. When I spoke with your loan officer about the costs and concerns about risks she was very honest and transparent. I felt I could trust her and I was not disappointed. We closed on time at the rate I was promised and the original cost. Very pleased at the outcomes and the service.
Refinancing with Northpointe was a great experience that exceeded my expectations. My loan officer was quick to respond to all questions and concerns. In addition he guided me through the entire refinancing process. I will recommend Northpointe to anyone looking to refinance.
St. Louis, MO
*Low rate guarantee: Northpointe Bank will match competitor offers or you’ll be credited $400.00 at loan closing.