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All Mortgage Loan Officers
Joe Spada

Joe Spada

VP, Area Sales Manager | Bay City - Washington Ave. | NMLS ID: 772461

Joe brings 15 years of mortgage experience and is heavily involved in the local real estate market. He also has an established and reputable relationship with the tri-city community.

Phone Number

Office: 989.891.4053
Fax: 989.891.4114
Cell: 989.450.5196

Address

623 Washington Ave. Bay City, MI 48708

Email

JSpada@ibcp.com

Testimonials

Tracy P.

December 31, 2018

"We’ve already told friends and family about Joe/Independent Bank and would not use anyone else in the future! Thank you, Joe!!"

Jeffery R.

June 4, 2018

"I will definitely work with him in the future. He was very professional, knowledgeable and answered any questions that I had about the loan. His staff also did an awesome job with every aspect of the loan process. Thanks to Joe and the entire Independent Bank staff for a quick loan process and closing.”

Heather G.

June 4, 2018

"He was knowledgeable and got things done in a timely manner. I will refer him and Independent Bank in the future. Thank you!”

Resources

Videos

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

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

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