Angie Anderson
Mortgage Loan Officer
I grew up in Northern Michigan. I didn't move here for a job -- this is home. I know the towns, the property types, the seasonal quirks, and the people. After 20+ years in the mortgage industry, I still pick up the phone, still explain every step of the process, and I'm still here for my clients long after the closing table. I believe everyone deserves a real shot at homeownership -- and I work hard every single day to make that happen.
Mortgage Loan Officer
NMLS #1999286
Ready to talk? Reach Angie directly -- no call center, no runaround.
Born Up North.
Built for This.
I didn't relocate to Northern Michigan to be a lender. I grew up here. I know the difference between a manufactured home that qualifies for conventional financing and one that doesn't. I know which townships around Traverse City, Cadillac, and Petoskey have USDA-eligible addresses. I know what it means to be a seasonal worker trying to buy a house, and I know exactly how to document that income correctly so it counts.
That kind of knowledge doesn't come from a training manual. It comes from 20+ years of doing this work in the same communities I grew up in -- and genuinely caring about the outcome for every single client I work with.
I'm also a wife and mom. I know that a home isn't just a financial transaction. It's where life happens. So when I sit down with a family -- or pick up the phone with someone who's nervous about their first application -- I'm not just running numbers. I'm investing in their future. That's not something I take lightly, and it's why I show up the way I do every day.
"I believe everyone deserves a chance at homeownership -- and I work hard every day to make that possible."
That means taking the time to explain the process. It means answering questions after hours. It means fighting for a file when something gets complicated. And it means still being there for my clients after the closing table -- because the relationship doesn't end when the keys change hands.
How Angie Actually Works
Not click here and sign. A real process, explained at every step, with a real person behind it.
We Talk First
Before any paperwork, Angie wants to understand your situation, your goals, and what matters to you. No SSN required to start the conversation -- just a real discussion about where you are and where you want to go.
She Explains Everything
Loan estimates, closing cost breakdowns, rate lock timing, what underwriting is actually looking at -- Angie walks you through all of it in plain English. No jargon, no information withheld, no surprises.
She Does the Heavy Lifting
Angie is organized, proactive, and on top of every condition and deadline. She communicates with your realtor and coordinates with title. You're not left wondering what's happening or what's needed next.
She's Still There After Closing
Got a question about your first escrow analysis? Wondering when to think about refinancing? Want to understand your equity position? Angie is a resource for her clients long after the closing table.
Where Angie Has Deep Expertise
Twenty years in Northern Michigan teaches you things the textbook doesn't cover.
Northern Michigan Property Types
Manufactured homes, well and septic, private roads, seasonal properties, waterfront, rural acreage -- she's seen every Northern Michigan quirk and knows how to get them to closing.
Divorce Buyout Refinances
Angie specializes in helping clients navigate the mortgage side of a divorce -- removing a spouse from the loan, calculating equity buyouts, and coordinating with attorneys to make the financial split as clean as possible.
Construction Loans
Building in Northern Michigan is a different animal. Angie understands construction timelines, draw schedules, builder requirements, and the one-time close process that saves clients from double closing costs.
USDA Rural Development
Most of Northern Michigan is USDA-eligible and most buyers don't know it. Zero down payment is real for a lot of families up here -- Angie checks eligibility on every rural file.
MSHDA Down Payment Assistance
MI First Home, MI 10K DPA -- Angie knows the Michigan-specific programs that reduce how much cash buyers need at the table and uses them aggressively when they fit.
Complex Income Situations
Self-employed, seasonal workers, 1099 contractors, commission income, multiple jobs -- Northern Michigan has a lot of non-traditional income situations. Angie knows how to document them correctly.
Divorce Buyout
Refinance Specialist
Most lenders treat a divorce buyout refinance like any other file. It isn't. The intersection of divorce settlements, property division, and mortgage qualifying is genuinely complex -- and doing it wrong has real consequences for both parties.
Angie has worked enough of these files to know exactly what needs to happen and in what order. She works alongside attorneys and mediators, reviews divorce decrees and settlement agreements, and structures refinances that satisfy both lender requirements and the terms of the divorce.
These situations are handled with the discretion and care they deserve.
Talk to Angie About Your SituationSettlement Agreement Review
Angie reviews divorce decrees and property settlement agreements to understand exactly what's required before the loan process begins.
Equity Buyout Structuring
Need to buy out a spouse's equity share? Angie calculates what you can access and which loan type makes the numbers work for your situation.
Attorney Coordination
Angie works directly with divorce attorneys and mediators to make sure the mortgage piece aligns with the settlement -- before it's finalized, not after.
Handled with Care
These are people going through one of the hardest seasons of their lives. Every divorce file Angie handles gets the discretion and patience that situation requires.
Loan Programs Angie Offers
The core programs Michigan homebuyers need -- with the expertise to use each one correctly.
Conventional Loans
3% down, flexible PMI, best pricing at 740+ credit score
FHA Loans
3.5% down, lower credit score threshold, strong first step
VA Loans
Zero down for eligible veterans -- often the best option available
USDA Rural Development
Zero down in eligible Michigan areas -- most of Northern Michigan qualifies
Construction Loans
One-time close, draw schedules, builder coordination
Manufactured Home Loans
Northern Michigan specialty -- knows the eligibility rules inside out
MSHDA Down Payment Assistance
MI First Home and MI 10K DPA for eligible Michigan buyers
Refinance -- Rate & Term
Lower your rate, shorten your term, or drop mortgage insurance
Cash-Out Refinance
Access your equity for improvements, debt payoff, or major expenses
Divorce Buyout Refinance
Specializes in removing a spouse from a mortgage with care and precision
FHA to Conventional
Drop FHA mortgage insurance once you have enough equity
Jumbo Loans
Waterfront and high-value Northern Michigan properties over conforming limits
Why Work With Angie
She Actually Picks Up
No call centers. No voicemail loops. When you call or text Angie, you reach Angie. In this industry that sounds basic. It isn't.
She Knows Northern Michigan
Born and raised up north. She knows the towns, the property types, the USDA maps, and the seasonal income patterns. That local knowledge shows up on every complex file.
She Explains the Process
Angie doesn't just send you a link and say sign here. She walks you through every step -- what it means, why it matters, and what to expect next. You will never feel left in the dark.
Straight Talk Only
If a loan doesn't make sense for your situation right now, Angie will tell you that clearly. She's not going to run you through a process that doesn't benefit you just to generate a file.
She Finds a Way
When a file looks complicated -- self-employed, manufactured home, divorce, challenging credit -- Angie digs in rather than gives up. She has worked these files and knows the path.
Here for the Long Haul
The relationship doesn't end at closing. Angie is still there when you have questions about your escrow account, when you're thinking about refinancing, and when you're ready to buy again.
Where Angie Lends
Licensed in Michigan and covering the entire state -- with the deepest roots and local expertise in Northern Michigan.
Ready to Get Started?
Apply online, call, text, or schedule a free consultation -- whatever works best for you.
Reach Angie Directly
Real person. Real answers. No call center. Angie handles her own communication -- you won't get passed around.
Apply with Angie
Start Your Application →Angie Anderson | NMLS #1999286 | Union Home Mortgage NMLS #2229229 | Licensed in Michigan | Equal Housing Lender
Common Questions About Working with Angie
Angie Anderson | Mortgage Loan Officer | NMLS #1999286 | Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Licensed in Michigan. Equal Housing Lender. All loan programs subject to credit approval, underwriting, and eligibility requirements. Rates and terms subject to change without notice. This is not a commitment to lend.
