100% Free · No Homework Required · No Pressure

Not sure where to start? That is exactly what this is for.

A free 20-minute conversation with Kirby or Angie. No paperwork, no SSN, no commitment. Just straight answers to whatever mortgage questions are keeping you from moving forward.

✓Buying, refinancing, building, or just figuring out if you are ready — we cover all of it
✓No documents needed to get started — come as you are
✓You will leave with a clear next step, whatever that looks like for you
✓Licensed Michigan mortgage lenders who know Northern Michigan cold
Already know you want to buy? Try the Quick Pre-Qual instead →
Schedule Your Free Consultation
Takes 60 seconds to request. We will reach out same business day to find a time that works.

No SSN required. No hard credit pull. No commitment. By submitting you agree Kirby and Angie may contact you regarding your inquiry. UHM NMLS #2229229.

or reach out directly
💬 Text Angie
(616) 581-6123 💬 Text Kirby
(231) 709-3136
Completely Free No SSN Required No Hard Credit Pull Same-Day Response Zero Pressure
Who This Is For

You do not need to have it all figured out.

Most people who schedule a consultation are not ready to apply yet. That is the whole point. Here is who we talk to every week.

🏠
First-Time Buyers
Not sure how much house you can afford, what programs exist, or how the process works. We walk through all of it without making you feel like you should already know.
🔄
Refinance Shoppers
Wondering if your current rate is worth refinancing. We will run the numbers honestly. If it does not make sense, we will tell you that too.
🔨
Future Builders
Have land or a builder in mind and no idea how construction financing works. We specialize in it and can map the whole process from lot purchase to final loan.
📋
Credit Rebuilders
Your score is not where it needs to be yet. We will look at your real situation, tell you what it would take to get there, and give you a realistic timeline.
💼
Self-Employed Borrowers
Your income looks different on paper and you have heard horror stories. We work with self-employed borrowers all the time. Bring your questions and your write-offs.
🤷
The Not-Sure-Yets
Thinking about buying in the next 6 to 18 months and want to know where you stand before you get serious. That is a great reason to call. Early conversations make for smoother closings.
What We Cover

A real conversation about your situation.

No scripted pitch. No product push. Just an honest look at your mortgage scenario and what your options actually are.

💰
How much home you may qualify for
Based on income, debt, and credit profile. We give you a real number, not a vague range designed to get you in the door.
📊
Which loan programs fit your situation
Conventional, FHA, VA, USDA, MSHDA down payment assistance, construction, manufactured home — we match you to the right program, not the most common one.
🎯
Down payment and closing cost reality
What you actually need to bring to closing. Includes a plain-English breakdown of closing costs so there are no surprises on closing day.
📈
Your credit score and what it means
Where you stand today, how your score affects your rate, and what you could do to improve it before you apply if that makes sense.
📅
Realistic timeline for your goals
Whether you want to close in 30 days or plan to buy in a year, we help you understand what needs to happen and when.
❓
Whatever else you want to ask
Rate locks, manufactured homes, DSCR loans, divorce lending, investment properties. Nothing is off limits. We have probably heard it before.
What Clients Say

Straight from people we have worked with.

★★★★★

"Kirby and Angie are top notch in all aspects. Their teamwork through the process was stellar."

A
Adam Ziegler
Realtor Partner
★★★★★

"Both Angie and Kirby go the extra mile for clients. Professional, proactive, and a joy to work with."

M
Missy Steiner
Realtor Partner
★★★★★

"Arch Mortgage North made securing our second home smooth and stress-free. Angie and her team kept us informed at every step."

P
Phil Knight
Second home purchase
Common Questions

About the free consultation.

Is it actually free? What is the catch?+
It is actually free. No catch. Kirby and Angie make their living closing loans, not charging for consultations. If you are not a fit right now, they will tell you honestly and help you figure out what needs to happen before you are. If you are a fit, great. The conversation is on us either way.
What do I need to bring or have ready?+
Nothing. Come as you are. The more you can share about your situation the better, but there is no paperwork required to have this conversation. If you want to dig into specific numbers, having a rough sense of your income and monthly debts helps. Everything else we can work through together.
Will you pull my credit?+
Not during the consultation. A hard credit pull only happens if you authorize it as part of a full pre-approval application. During the consultation we work off whatever you can tell us about your credit situation and give you our honest read on it.
How long does a consultation take?+
Usually 15 to 30 minutes depending on how many questions you have. Simple scenarios go fast. More complex situations like self-employment, construction loans, or credit rebuilding take a bit longer. We will not rush you.
I am not ready to buy for another year. Is it too early?+
No. Honestly, earlier is better. Knowing where you stand a year out gives you time to improve your credit, save more, or resolve any income documentation issues before they become problems. Borrowers who plan ahead close faster and with fewer surprises.
I was turned down by another lender. Is it worth talking?+
Yes. Different lenders have different programs, overlays, and appetite for certain loan types. A no from one shop does not mean a no everywhere. Kirby and Angie have closed plenty of loans that other lenders passed on. Share your scenario and let them take a look before you give up on it.
What areas do you serve?+
Kirby and Angie are licensed in Michigan, Ohio, and Indiana. Their primary focus is Northern Michigan including Traverse City, Cadillac, Petoskey, Charlevoix, Gaylord, Grayling, Houghton Lake, and Manistee. They serve the full state of Michigan and can conduct consultations by phone, text, or video call from anywhere.

Still on the fence? Just text us.

No form required. Text Angie at (616) 581-6123 or Kirby at (231) 709-3136 and tell them what you are working with. They will take it from there.

💬 Text Angie 💬 Text Kirby Try the Quick Pre-Qual
⊕

Equal Housing Lender. This consultation is provided at no cost and does not constitute a loan application or commitment to lend. All loans subject to credit approval. Programs, rates, and terms subject to change without notice. Kirby Slocum NMLS #680817 | Angie Anderson NMLS #1999286 | Union Home Mortgage Corp. NMLS #2229229 | 92 Mill Street, Rochester, MI 48307 | 800-767-4684. Licensed in Michigan, Ohio, and Indiana.