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All Independent Bank offices will be closed on Monday, October 14, 2019, to participate in our annual volunteer initiative, Making A Difference Day, where all employees will be volunteering at non-profit organizations.

If you should need assistance on Monday, please call our Customer Service team at 800.355.0641 from 8 am-6 pm (ET) or use our 24-hour Telephone Banking service at 888.300.3193. We will resume all regular business hours on Tuesday, October 15, 2019. 


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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

Office: 231.995.8714
Fax: 231.995.5597
Cell: 231.499.9285


333 W. Grandview Parkway Traverse City, MI 49684




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!"



Gain access to our videos—learn about how Independent Bank is helping customers, inspiring employees, and investing in our communities.

Mortgage Do's & Don'ts

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ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

Graduation Checklist

A checklist for college-bound graduates, plus financial tips

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