mortgages

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

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 find a home that fits within your budget. Contact a residential loan officer by phone: 1.800.285.3111. You can also apply for a loan online.

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

EagleXpress 18 priority closing
We'll close your new purchase loan in 18 days* or deposit $100 into your Independent Bank checking account! When your file is flagged as an EagleXpress 18, it receives priority treatment. Our mortgage team streamlines the process to ensure your loan closes in 18 days. Download  EagleXpress 18 to learn more.

*Guaranteed 18-business day closing. Some loans may take up to 21 days.

Receive up to $1,000** off closing costs with our Eagle Premiere Relationship (EPRO) offer
Receive up to $1,000** off closing costs simply by setting up an Independent Bank checking account with auto pay or online bill pay prior to closing. Contact your residential loan officer for prequalification or additional details at 800.285.3111. You can also apply for a loan online.

**Receive a ¼% discount off of closing costs, based on loan amount, up to $1,000 by setting up an Independent Bank checking account with auto pay or online bill pay. Subject to loan approval.

Calculate your mortgage payments
Calculate your mortgage payments with the amortization calculator.

HomePath Financing
Fannie Mae’s HomePath features a wide selection of Fannie Mae-owned homes, including single-family homes, condominiums and town houses located in a variety of neighborhoods. HomePath® financing provides up to 95% financing for qualified homebuyers. Independent Bank is proud to be selected by Fannie Mae to offer HomePath financing. Contact us today about special financing available for Fannie Mae HomePath properties.

HomePath is a registered trademark of Fannie Mae.

Bank-owned properties and auctions
To learn more about bank-owned properties, visit our bank-owned properties page.

Home Equity Line of Credit (HELOC)
A home equity loan or line of credit will allow you to borrow money, secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation and more. Interest may even be tax deductible!

Use the Visa® Access card to withdraw money from your home equity line of credit. It’s the card that works just like a regular Visa card for purchases and ATM withdrawals. It’s convenient and hassle-free.

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.