Shelby State Bank offers the following mortgage products:

  • Conventional
  • Adjustable Rate Mortgages (ARM’s)
  • Balloon
  • Construction
  • Zero Down/Rural Development (RD)
  • Michigan State Housing Development Authority (MSHDA)

Mortgages are a People Business

To help you decide between your many mortgage options, we like to put you in touch with one of our three mortgage loan experts as quickly as possible.  We know the questions to ask and the counsel to give so you can make the best possible decisions on this big and exciting purchase!

In Oceana and Newaygo Counties, click here for Deana Fox or call (231) 861-6062.

In Manistee & Mason Counties, click here for Jeff LaPrad or call (231) 398-7905.

In Muskegon County, Whitehall and Montague, click here for Michelle Bauer or call (231) 744-6231.

Loan Rates, Terms & Fees

Interest rates, terms and fees are based on various underwriting criteria, including (but not limited to) the type of mortgage loan requested, secondary market/vendor loan may be sold to, the credit worthiness of the borrower, and collateral securing the loan. For the most current information on rates, terms and fees, please click here or call one of our ten convenient offices.

Important Information About Insurance Products Offered in Connection with Extensions of Credit