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explore programs
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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 $8,000 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 $125 to organizations that serve the military.
HomeReady
Are you ready? Imagine Home Ownership
I am very happy with our loan officer from Northpointe Bank. He was always willing to answer any question I had, and he walk me through the process. Great customer service and he made this much easier than I thought it would be. I would not hesitate to recommend Northpointe to anyone.
Andrew B.
Waxhah, NC
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.
Carl G.
Holland, MI
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
