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Due to COVID-19, some of our branches may have temporarily reduced in-person services. For the most up-to-date information, please contact your local branch.


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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.

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!


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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 two 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

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.

**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. Normal credit standards and restrictions apply to conventional and consumer loans. Additional credit standards and restrictions apply to FHA, VA, MSHDA, OHFA and other government programs. 

MatchUpSM, an All For HomeSM Solution 

Saving for a new home? We'll match your funds up to $2,500! We know saving for a down payment for a home can be difficult. That is why Independent Bank is proud to offer MatchUpSM, an All for HomeSM solution, an automated mortgage savings plan that will put you on a steady path toward purchasing your home.
Click to learn more about the MatchUp journey, watch our video below, or contact us today to see if you qualify!



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 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.

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

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 five (5) days.

Mortgage Calculators

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

View Mortgage Calculators