Mortgage Loans

A home is often the biggest and most meaningful purchase of your life. A home loan from Shelby State Bank is your best way to make it happen.

Mortgage Loans

Shelby State Bank is at home along West Michigan's lakeshore, just like you.

So it should come as no surprise that Shelby State Bank specializes in home mortgage lending here, too. Our mortgage professionals will walk you through the process and be your resource for years to come.

By offering a wide array of mortgage programs, we are able to customize your home loan to your specific needs. And with free pre-qualifications, buying power is in your hands from the moment you begin house shopping.

Apply Online or in Person

Apply online now in as little as 20 minutes and get your conditional approval in minutes rather than days or weeks.

It’s the convenience and response time you might expect from an automated process, with the personal attention you deserve. Decision making is always local, and so is help throughout the entire process. Whenever you have a question or want to compare loan options, your Shelby State Bank mortgage professional will be with you all the way.

APPLY ONLINE

Mortgage Programs

Shelby State Bank offers a variety of home loan programs to meet our customer’s individual needs. Our Shelby State Bank mortgage expert will walk you through the options to help you pick the one that is best for you!

Conventional Fixed Rate Mortgages

  • Rates are locked throughout the entire loan
  • Terms range from 15 to 30 years
  • No prepayment penalties
  • Predictable monthly payments
  • Down payments as low as 5%

Construction Loans

  • New home construction or enhance your existing home
  • 9 - 12 month construction terms
  • Easy end financing

First Time Homebuyer Fixed Rate Loans

  • Down payments as low as 3%
  • Rate fixed throughout the loan
  • Terms range from 15 – 30 years

USDA Rural Development Program

  • 100% financing available for qualified borrowers and homes
  • Flexible credit and expanded ratios
  • Seller can pay closing costs of up to 6%

FHA

  • Down payment as low as 3.5%
  • More liberal qualification requirements

Adjustable Rate Mortgages

  • Interest is locked the first five years
  • Payments are calculated on a 30-year term
  • Works well for unique properties

VA

  • Equal opportunity for all qualified veterans
  • 100% financing available
  • No income limits

Home Equity Loans

  • Offering Home Equity Lines of Credit (HELOC), Fixed Equity Loans or Mortgage Refinancing
  • Flexible terms and competitive rates
  • Great for home improvements, college tuition, debt consolidation, etc.
  • Local decision making and servicing

Apply Online or in Person

Apply online now in as little as 20 minutes and get your conditional approval in minutes rather than days or weeks.

It’s the convenience and response time you might expect from an automated process, with the personal attention you deserve. Decision making is always local, and so is help throughout the entire process. Whenever you have a question or want to compare loan options, your Shelby State Bank mortgage professional will be with you all the way.

APPLY ONLINE

Apply Online

Whether you are buying your first home or the vacation home of your dreams, Shelby State Bank is ready to help you.

Contact our mortgage lending department today to get started!

Image of Michelle J. Bauer

Michelle J. Bauer

North Muskegon & Fruitport Branch Manager and Mortgage Lender

Email: mbauer@shelbybank.com

Phone: NM: 231-744-6231
F: 231-865-3161

NMLS#: 514717

Location: 2222 N. Holton Road
North Muskegon, MI 49445

Counties: Muskegon and Ottawa

Image of Deana R. Fox

Deana R. Fox

Assistant Vice President and Mortgage Lender

Email: dfox@shelbybank.com

Phone: 231-861-6062

NMLS#: 1571048

Location: 242 N. Michigan Avenue
Shelby, MI 49455

Counties: Oceana and Newaygo