The mortgage process
doesn't have to be
confusing.
Kirby and Angie have helped Northern Michigan families buy and refinance homes for over 40 combined years. Straight answers, no runaround, and a team that actually picks up the phone.
Subject to credit approval. Rates and programs vary. Not a commitment to lend.
Union Home Mortgage NMLS #2229229
We tell you what other lenders won't.
We've been doing this in Northern Michigan long enough to know what matters. No vague answers, no bait-and-switch rates, no disappearing after you sign.
Get smarter before you borrow.
Free guides built for Michigan buyers — no fluff, no spam, just the answers you actually need.
The right loan for your situation.
Every loan is different. Here's what we offer and who each one tends to serve best.
Northern Michigan isn't like everywhere else.
Seasonal income. Manufactured homes on 10 acres. USDA-eligible land closer to town than buyers expect. We know this territory because we live and work here.
Much of Northern Michigan — Cadillac, Gaylord, Grayling, Houghton Lake, Manistee and surrounding areas — qualifies for USDA Rural Development financing. Zero down for eligible buyers. Most people never think to ask.
Manufactured homes are common in Northern Michigan and many lenders won't touch them. Kirby and Angie specialize in getting these done with FHA, VA, and conventional programs.
Two loan officers. One goal.
You get Kirby or Angie — not a processor pool. Real people who know your file.
Angie specializes in first-time buyers, MSHDA down payment assistance, and divorce lending — a certification that makes her one of very few lenders equipped to navigate the financial complexity of home separation.
Kirby brings decades of Northern Michigan lending experience with deep expertise in construction loans, manufactured homes, and complex transactions. If a loan looks complicated, Kirby's probably seen it before.
What Michigan homeowners say about us.
"Working with Angie was seamless from start to finish. She made the mortgage process easy to understand, found me a great rate, and kept me in the loop the entire time."
"Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions. I've never felt more confident buying a home."
"Angie was amazing throughout our entire home buying process. So patient, incredibly responsive, and made sure we got the best deal possible. Highly recommend!"
"Kirby made our construction loan so much less stressful. He knew exactly what the builder and county would need and had us prepared at every step. Closed on time, no surprises."
Real answers to real questions.
These are the questions we get every week. If yours isn't here, text or call — we'll answer that too.
Have a question we didn't answer?
Text Kirby or Angie directly. You'll get a real response, usually within the hour during business days.
Ask Your Question →Ready to talk mortgage?
No commitment, no pressure. Just a straight conversation about where you are, where you want to go, and what loan options actually make sense for you.
