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You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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Purchasing or Refinancing a Home?

With the My Home Reward Program, eligible applicants in select neighborhoods could pay zero closing costs!*

Learn More

Independent Bank proudly offers more than 50 customizable mortgage programs.

Ask us about pre-qualification or apply online, Friend!

Learn More & Apply View Mortgage Rates

 

Call or contact a mortgage loan officer by phone at 800.285.3111, or at your local Independent Bank office or loan center to request a prequalification to help find a home that fits within your budget.

 

Find a Loan Officer

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

Already have a mortgage and need to make a payment?

Make a Mortgage Payment

Want to calculate your mortgage payment, down payment, closing costs and more?

Check out our mortgage calculators!

 

View Mortgage Calculators

 

Our Online Advance Deposit and Construction Rate-Lock Payment Centers are convenient ways to remit your payments for your real estate financing.

 

Online Advance Deposit Payment Center

Construction Rate-Lock Deposit Payment Center

Extended Rate-Lock Payment Center

Conventional Fixed Rate Loans
A Conventional Fixed Rate Loan offers a fixed rate throughout the life of the loan.
Adjustable Rate Mortgages (ARMs)
Adjustable Rate Mortgages (ARMs) start with an interest rate at the beginning of the loan and adjusts annually after the fixed rate period ends. Each subsequent adjustment is based on the market at that time.
Federal Housing Administration (FHA) Loans
A Federal Housing Administration (FHA) Loan is insured by the Federal Housing Administration. This is often a popular product for first-time homebuyers, as it offers low down payment options.
Veterans Administration (VA) Loans
A Veterans Administration (VA) Loan is a home mortgage option available to United States Veterans and Service Members, guaranteed by the U.S. Department of Veterans Affairs (VA).
USDA Rural Housing Services (RHS) Loans
The USDA Rural Housing Services (RHS) loan is a zero down payment mortgage option available to homebuyers in the United States who wish to purchase in a qualified rural or suburban area. USDA loans are guaranteed by the U.S. Department of Agriculture (USDA).
Michigan State Housing Development Authority (MSHDA) Loans

The MSHDA loan is for qualified borrowers who meet MSHDA income and purchase price limits. It may also provide borrowers with interest-free down payment assistance. This loan program is for primary residences located in Michigan.

Ohio Housing Financing Agency (OHFA)
The OHFA loan is for qualified borrowers who meet OHFA income and purchase price limits. It may also provide borrowers with interest-free forgivable down payment assistance. This loan program is for primary residences located in Ohio.
Construction Loans (including Jumbo Loans) and Special Renovation Loans
A Construction Loan is meant for customers who are looking to finance the building of a home or a renovation project. It allows customers to close one mortgage for both their construction loan and financing, while locking in the interest rate at the beginning of the construction project.
Jumbo Loans
A Jumbo Loan is a type of financing that exceeds the loan size limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac.
Portfolio Lending
A Portfolio Loan is a loan issued by the bank and typically kept as debt on the lender's portfolio instead of selling it into the secondary market.
Condominium Financing
We offer loans for customers looking to finance the purchase of a condominium.
Vacant Land Loans
Vacant Land Loans are used to finance a piece of property, whether it will be used to build a home or for other purposes.
Bridge Loans
Bridge Loans are used to assist our customers who are in the process of buying a new home before they have sold their current home. It allows a homeowner an opportunity to access equity from a current residence and apply towards a new property. 
Doctors and Dentists Loans
This is a loan specific to doctors with up to 100% financing and no Private Mortgage Insurance. Eligible doctors include Residents, MD, DO, DDS, DMD, DPM, OD, GYN, OB/GYN, and MS.

Affordable Mortgage Program

Eligible borrowers have several financing options to choose from: 

Independent Bank Community Affordable Mortgage

Independent Bank Community Affordable Mortgage provides borrowers with purchase money for a home at a 30-year fixed rate, and up to 97% loan to value. Loan to value is the mortgage amount as compared to the home’s value or purchase price, whichever is less. There would also be no up-front mortgage insurance premiums and no monthly mortgage insurance requirements.

My Home Reward Program

At Independent Bank, we are committed to serving customers and providing access to credit in our local communities, that is why we are excited to offer the My Home Reward Program. Eligible purchase or refinance applicants in select neighborhoods could pay zero closing costs!*   

 

Click to learn more about the My Home Reward Program and see if your property is eligible. 

 

Independent Bank Community Grant

Independent Bank Community Grant is a second financing option for customers that would be applied toward closing costs and up to $1,000 of the loan amount.
For questions, contact a Mortgage Loan Officer, visit a local branch, or call us at 800.285.3111.

Special Offers & Extras

Receive up to $1,000* off mortgage closing costs with our Eagle Premier Relationship (EPRO) offer

Simply set up your mortgage payment through autopay from your Independent Bank checking account. This will give you access to our convenient auto pay & eStatement services, giving you one less thing to worry about each month.

 

Contact your mortgage loan officer for prequalification or additional details at 800.285.3111.
You can also apply for a loan online.

*Receive a 1/4% discount off of mortgage closing costs, based on loan amount, up to $1,000 by setting up or maintaining an Independent Bank checking account. Customer must be enrolled in automatic mortgage payments from an Independent Bank Checking Account. Normal credit standards and restrictions apply to conventional loans. Additional credit standards and restrictions apply to FHA, VA, MSHDA, OHFA and other government programs. Taxes and insurance required.

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!

 

Easily transfer funds from your HELOC into your checking account via ONE Wallet, use your Equity Access MasterCard®, visit a branch, or call our Customer Experience Hub.

Learn More

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

 

Platinum Pro Sweep

With our Platinum Pro Sweep, your home equity line of credit (HELOC) and direct deposit checking account are combined to maximize your cash flow. The checking account is swept on a daily basis and applied to the HELOC’s outstanding balance, reducing its average daily interest charges. You can make the most of your money without doing a thing – the Sweep takes care of it for you! With Platinum Pro Sweep, you also get our interest-earning Premier Checking account free.

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

Sign in 29 - Seller Advantage

Close on your new purchase loan in just 29 days!* We know the housing market is competitive, so give your offer an edge and your seller the confidence of a timely closing. If we don’t close your loan in 29 calendar days, the seller will receive a $1000** credit on the Closing Disclosure. Click to learn more.

Receive up to $2,500 toward the down payment or closing costs on your mortgage with the Freddie Mac BorrowSmartSM Program

Qualifying borrowers can receive up to $2,500 toward the down payment or closing costs required to finance a home. The Freddie Mac BorrowSmart program provides assistance for income-qualifying Very Low-Income Purchase (VLIP), Low-Income Purchase (LIP), and Moderate-Income Purchase (MIP) borrowers who complete housing counseling through a HUD-approved counseling provider affiliated with the Homeownership Preservation Foundation (HPF) network. The program must be used in conjunction with a Freddie Mac mortgage product.

 

Contact your mortgage loan officer for additional details and to see if you qualify at 800.285.3111.
Click here to learn more. 

Enact’s Homebuyer Privileges® Program

Did you know that you could be taking advantage of discounts, rebates, and special offers to help you save on all of the things you need most for your home? Independent Bank is a participating lender in Enact’s Homebuyer Privileges,®️ so when you purchase or refinance a home with Independent, you have access to several additional discounts and benefits.

Once your home purchase or refinance is complete, your loan officer will provide you with a lender participation code and homebuyer ID number. This will give you access to additional benefits valued up to $8,500, including rebates and discounts on major appliances, truck rentals and moving supplies, discounts from national merchants, and much more. Participating retailers include: ADT Security,®️ Budget Rental Cars,®️ Costco,®️ Enterprise Rental Car,®️ Norton Security,TM Office Depot,®️ Sam’s Club,®️ Turbo Tax,®️ and many more!

Ready to get started? It’s easy!
Simply follow the steps below:


1. Log on the Homebuyer Privileges website
2. Click on “new member login”
3. Enter the Independent Bank registration codes provided by your loan officer
4. Follow the instructions to complete your registration

 

Start Saving with Homebuyer Privileges®️

Freddie Mac BorrowSmart AccessSM
Assistance program

EARN $3,000 towards Your
Down Payment & Closing Costs!


The Freddie Mac BorrowSmart AccessSM Assistance program  provides assistance of $3,000 for income-qualified borrowers to be used towards the down payment and closing costs required to finance their first home.


Click here to learn more

Freddie Mac GreenCHOICE Mortgages®️
An Energy-Efficient Solution

Looking to make energy-efficient improvements to your home? Now you can finance the cost of green upgrades with our GreenCHOICE mortgage.


Enjoy these Benefits:

  • Finance energy & water efficiency improvements for both purchase & refinance transactions.
  • Benefits may include lower utility costs & increased home comfort
  • Ability to close the mortgage prior to the completion of the improvements


Click here to learn more

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 800.355.0641 and select option 4, then option 5.

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.
Click here for more information on assistance options. 

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 five (5) days.

Mortgage Calculators

Choose from one of our mortgage calculator options to get started! 

View Mortgage Calculators