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All Mortgage Loan Officers
Gail Chambers

Gail Chambers

Senior Mortgage Loan Officer | Traverse City - Downtown | NMLS ID: 445787

I have been assisting clients in meeting their home financing and ownership goals for over 35 years. I am knowledgeable in many different loan programs, including government and first-time homebuyer loans. This enables me to be the most effective for you, my treasured client. I really love my profession and am grateful for the opportunity to be part of a very important event in your life. I see my role as providing complete and accurate information to you, making sure you understand the process, and meeting your goals with fairness and honesty.

Phone Number

Fax: 231.995.5597
Cell: 231.632.3748


333 W. Grandview Parkway Traverse City, MI 49684




Linda S.

May 28, 2021

"All went according to plan. The rates promised were the rates delivered. Gail Chambers is our GO-TO person. :)"

Laura A.

August 21, 2020

"Gail has been my mortgage lender for over 20 years. She is the best! Her team does a great job."

Ryan H.

October 16, 2019

"Gail and Nancy are the best! I have worked with them on 2 construction loans and a refinance, and would continue working with them on any future needs."

Wayne D.

December 31, 2018

"Seriously, everyone I worked within the mortgage department at Independent Bank was 'spot on' considerate, accurate, timely, and professional. Should I need another mortgage again in the future, Independent Bank will be the only place I'll consider for my business."

Tami C.

November 2, 2018

"Everyone was patient and kind from the beginning to the closing. Thank you!"


Mortgage Do's & Don'ts

We know that the mortgage process can seem overwhelming, but at Independent Bank, it’s our goal to make this process as seamless as possible.

ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

Identity Theft Affidavit

A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit identitytheft.gov to use a secure online version that you can print for your records.

All Resources