buy or build a home

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refinance your home loan

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Equity Builder

Rather than using cash for a down payment, apply it towards a lower interest rate and shorter loan term.

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®

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.

HomeReady

Are you ready? Imagine Home Ownership

WHAT CLIENTS ARE SAYING

The Northpointe team is AMAZING! They were complete, thorough, knowledgeable, and their customer service exceeded any service I have ever received. Thanks Northpointe for taking care of me like family.

Heid S.

Holland, MI

The whole experience during the refinance process was excellent. Our loan officer answered all of my questions and was very proactive in communication with me. I appreciated being able to do 90% of the communication online because I have a very busy schedule and travel for my work.

Scott W.

Ridgway, CO

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.

Maurice D.

Concord, CA

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.

David K.

St. Louis, MO

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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. Competitor offer must be comparable to Northpointe Bank’s 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.