Bay City - Washington Ave.

Joe Spada

First Vice President, Area Sales Manager | NMLS ID: 772461

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Phone Number

Office: 989.891.4053
Fax: 989.891.4114
Cell: 989.450.5196

Address

623 Washington Ave. Bay City, MI 48708

Email

JSpada@ibcp.com

Joe brings over 20 years of mortgage experience, and is heavily involved in the local real estate market. He also has an established and reputable relationship with the tri-city community.

Testimonials

"This was a great experience for me, up to and including the closing processing. I would highly recommend Independent Bank for any friends or family banking needs."

Jason L.

"The whole process was extremely clear and straightforward. All my questions were answered the same day, and most were answered within an hour or two of emailing them."

Patrick S.

"We closed in two weeks! Joe was so easy to work with. Highly recommend Independent Bank!"

Debra N.

"Everyone involved did an outstanding job! Having just moved in from out of state, and being a first-time homebuyer, it would be hard to do better than this team. Everyone was quick, accurate, friendly, and professional. I am still pleasantly surprised at how much stress was reduced by having such wonderful people to work with. Thank you!"

Marlowe A.

"My whole experience getting a mortgage from Independent Bank was exceptional. Everything was extremely smooth, fast, and efficient. Along with the fact that I was informed/explained to what the process was with every step. I would 10 out of 10 recommend going through Independent for any banking/financial services. I do have to give credit to all of these compliments above to Joe Spada. I do not believe it would be possible for anyone to be better at their job than him, not only that but an all-around good person. I will definitely be coming back in the future."

Caibry O.

"Joe and Kristin were fantastic to work with! It was a smooth transaction from start to finish. Joe took the time to listen and understand our specific situation in order to recommend the best options for us. Kristin was very efficient with processing. Both Joe and Kristin kept in constant communication to let us know the status of our application and to provide answers to all of our questions. They got us to the closing table quicker than our contact date, and all their hard work was much appreciated! I will definitely be recommending Joe and Kristin to anyone who is looking for a mortgage lender!"

Zachary C.