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Ask us about pre-qualification or apply online, Friend!
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.
Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans.
Check out our mortgage calculators!
Our Online Advance Deposit and Construction Rate-Lock Payment Centers are convenient ways to remit your payments for your real estate financing.
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.
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.
Receive up to $1,000** off mortgage closing costs by setting up or maintaining an Independent Bank checking account for your new mortgage. Plus, you will also have access to our convenient auto pay and 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.
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 Equity Access Mastercard to withdraw money from your home equity line of credit. You can make purchases with it just like a regular debit card. It’s convenient and hassle-free.
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.
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.
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.
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®️
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.
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:
230 W. Main St.
Ionia, MI 48846
Independent Bank will acknowledge your Notice of Error or Complaint within five (5) days.