Northern Michigan's Mortgage Team

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.

40+ Years Combined Experience Clear to Close in 20 Days or Less FHA · VA · USDA · Conventional · Construction Licensed in Michigan, Ohio & Indiana

Start Your Mortgage Journey

Takes about 60 seconds. Zero obligation.

Subject to credit approval. Rates and programs vary. Not a commitment to lend. Union Home Mortgage NMLS #2229229

Got it. We'll be in touch.

Kirby or Angie will reach out by phone, text, or email -- usually the same business day.

Zero Down USDA Loans in Northern Michigan $10K Down Payment Assistance -- MSHDA VA Loans -- Zero Down for Veterans FHA · Conventional · Jumbo · Construction Manufactured Home Specialists Divorce Lending Certified -- Angie Anderson Zero Down USDA Loans in Northern Michigan $10K Down Payment Assistance -- MSHDA VA Loans -- Zero Down for Veterans FHA · Conventional · Jumbo · Construction Manufactured Home Specialists Divorce Lending Certified -- Angie Anderson

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.

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We Actually Answer

Text or call Kirby and Angie directly. Not a call center. The people working your loan.

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We Know Northern Michigan

USDA eligibility, manufactured homes, seasonal income -- we know the nuances of lending here.

Fast Closings

Most loans clear to close in 20 business days or less when docs are in on time.

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Right Loan, Not Just Any Loan

FHA, VA, USDA, conventional, jumbo, construction -- we find what actually fits your situation.

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Plain English Explanations

We define every term and walk through every number so you understand what you're signing.

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No Surprises at Closing

The number we quote is the number you sign. We work the details upfront.

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.

🌲 USDA Zero-Down Territory

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 Home Specialists

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.

40+Years Combined
20Days to Close
$0Down VA & USDA
$10KMSHDA Assistance

Two loan officers. One goal.

You get Kirby or Angie -- not a processor pool. Real people who know your file.

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Angie Anderson

Senior Mortgage Loan Officer
NMLS #1999286 | Union Home Mortgage

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.

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Kirby Slocum

Senior Mortgage Loan Officer
NMLS #680817 | Union Home Mortgage

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.

Real reviews from real closings.

★★★★★

"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."

J
John D.
First-time buyer, Traverse City
★★★★★

"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."

M
Mary G.
Move-up buyer, Cadillac
★★★★★

"Angie was amazing throughout our entire home buying process. So patient, incredibly responsive, and made sure we got the best deal possible. Highly recommend!"

S
Sarah K.
First-time buyer, Petoskey area
★★★★★

"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."

T
Tom & Lisa R.
New construction, Gaylord

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.

Most conventional loans require a 620+ credit score. FHA loans can go down to 580 with 3.5% down, or 500 with 10% down. VA and USDA loans have flexible credit standards with no fixed minimum. Kirby and Angie look at your full financial picture -- debt load, employment history, and savings -- not just the number.
VA and USDA loans require zero down for eligible buyers. FHA requires 3.5% down with a 580+ score. Conventional can start at 3% for first-time buyers. Michigan's MSHDA program also offers up to $10,000 in down payment assistance for eligible first-time buyers. Subject to program availability and income limits.
With all required documents submitted on time, most loans are clear to close in 20 business days or less. Your actual timeline depends on loan type, property appraisal timing, title work, and documentation turnaround. Kirby and Angie are upfront about your expected timeline from day one.
Yes -- and this is a big deal for Northern Michigan buyers. Cadillac, Gaylord, Grayling, Houghton Lake, Manistee, and many surrounding communities are often USDA-eligible. That means zero down payment for eligible buyers. Kirby and Angie check eligibility on every purchase in Northern Michigan.
Yes. Manufactured home financing is a specialty -- important because many lenders either won't do it or don't do it well. Options include FHA, VA, and conventional loans depending on the home's year, foundation type, and whether you own the land. Call or text to walk through your specific situation.
MSHDA stands for Michigan State Housing Development Authority. Their MI 10K DPA program offers up to $10,000 in down payment assistance for eligible buyers who meet income and purchase price limits statewide. The assistance is a second mortgage with zero monthly payment, repaid when you sell or refinance.
Yes. Construction lending is a core specialty -- particularly for Northern Michigan where new builds and owner-built projects are common. Kirby and Angie offer construction-to-permanent (one-time close) loans that convert to a regular mortgage when building is complete.

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.

Equal Housing Lender. All loans are subject to credit approval. Rates and programs are subject to change without notice. This is not a commitment to lend. Loan approval is conditioned upon satisfying all underwriting requirements. All payment examples are estimates only. USDA, FHA, and VA program eligibility is subject to specific qualifications and geographic restrictions. Down payment assistance programs subject to income and purchase price limits and program availability. Kirby Slocum NMLS #680817 | Angie Anderson NMLS #1999286 | Union Home Mortgage NMLS #2229229. Licensed in Michigan, Ohio, and Indiana.