There’s no place like home. Whether you’re a first-time or experienced buyer, we’ll make the mortgage process understandable and painless.

Independent Bank proudly offers more than 50 customizable mortgage programs:

  • Conventional fixed rate loans
  • Adjustable rate mortgages (ARMs)
  • Federal Housing Administration (FHA) loans
  • Veterans Administration (VA) loans
  • USDA Rural Housing Services (RHS) loans
  • Michigan State Housing Development Authority (MSHDA) loans
  • Construction loans (including Jumbo loans)
  • Jumbo loans


Ask us about prequalification or apply online

Call or contact a residential loan officer at your local Independent Bank office or loan center to request a prequalification to help find a home that fits within your budget. Contact a residential loan officer by phone at 800.285.3111. You can also apply for a loan online.

Learn More & Apply Online

Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans.


Questions regarding your current mortgage loan?

If you have questions regarding your account balance, payoff information, tax or insurance questions, or general information regarding your billing cycle, please contact one of our loan servicing specialists at 800.662.0102 ext. 11330.

If you need to speak with a specialist regarding a past due account, please call 844.279.2748 to speak with a counselor who is trained to assist you.

Error Resolution:

If you have concerns regarding the servicing of your mortgage loan, please call a customer service representative at 800.662.0102 ext. 11330. If you would like to file a Notice of Error or Complaint, please send your written request to:
Independent Bank
230 W. Main St.
Ionia, MI 48846

Independent Bank will acknowledge your Notice of Error or Complaint within 5 days.

If you would like to speak with a customer service representative to determine if your Notice of Error must be in writing, please call a customer service representative at 800.662.0102.