Michigan Mortgage Lender — Kirby & Angie | Mortgage Loan Team
Clear answers. Fast closings. Mortgage options that fit your life — because with Kirby & Angie, it’s personal.
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“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. I couldn’t be happier with my new home purchase!” – John D.
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“Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions along the way. I’ve never felt more confident buying a home!” – Mary G.
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⭐⭐⭐⭐⭐ “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. I couldn’t be happier with my new home purchase!” – John D. ⭐⭐⭐⭐⭐ “Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions along the way. I’ve never felt more confident buying a home!” – Mary G. ⭐⭐⭐⭐⭐
✔ Match or Beat other Lenders
✔ Clear to Close in 20 Business Days or Less
✔ Tailored Loan Options
✔ Conventional • Jumbo • FHA • VA • USDA • Construction • Renovation
Your Trusted Northern Michigan Mortgage TEAM | Kirby and Angie
A proven track record of helping Michigan families achieve homeownership.
Personalized guidance and a stress-free process from start to finish.
Proud Michigan natives who know the market and the community.
Integrity, reliability, and treating every client like family.
Frequently Asked Mortgage Questions in Michigan
What credit score do I need to qualify for a mortgage?
Conventional loans usually need higher scores, but FHA is flexible. VA and USDA may allow lower scores if you qualify. Kirby & Angie review your whole profile and make a plan.
How much do I need for a down payment?
VA and USDA can be $0 down. FHA requires 3.5% down. Conventional can start at 3%. Michigan also offers assistance programs that Kirby & Angie can walk you through.
How fast can I close on a home?
With documents in on time, many loans are clear to close in about 20 business days.
Do mortgage rates change by city or ZIP code?
No — rates are based on your loan type, credit, and down payment. What changes city-to-city are property taxes and insurance, which affect your total monthly payment.
Can I refinance if I just bought my home?
Yes. If today’s rates or programs improve your payment, or you want cash out, refinancing can be an option. Kirby & Angie run the numbers so you know if it makes sense.
A Few of Our Top Home Loans — Click Here to View All Products
Conventional Home Loans
Often ideal for borrowers with solid credit and steady finances, conventional loans can feature competitive rates and flexible terms. However, they usually require higher credit scores and down payments, which may not suit every budget. Contact Kirby and Angie to get your application started! Click on the Apply Now Link or contact us for your Free Mortgage Consultation.
First Time Homebuyer
FHA Loans
USDA - Rural Housing
FHA and RD loans are great for buyers seeking low or zero down payment options, with more lenient credit requirements—perfect for first-timers or rural areas. On the flip side, FHA loans carry mortgage insurance premiums, and RD loans are limited by location and income qualifications. Contact Kirby and Angie to get your application started! Click on the Apply Now Link or contact us for your Free Mortgage Consultation.
VA Loans
VA loans benefit eligible veterans and service members by offering zero down payments and no private mortgage insurance, easing the path to homeownership. Their main caveat is the VA funding fee (unless exempt) and the requirement to meet specific service-related criteria. Contact Kirby and Angie to get your application started! Click on the Apply Now Link or contact us for your Free Mortgage Consultation.
About Kirby & Angie
Mortgage Loan Team
Built on Relationships. Backed by Results.
Kirby and Angie have spent the last 25+ years working across every side of the mortgage industry as bankers, brokers, and retail lenders. That experience shaped exactly what we wanted to build and what we didn’t.
Our goal was never to be the biggest.
Our goal was to be better.
We’re building a mortgage team of like-minded professionals across Northern Michigan who believe in showing up, communicating clearly, and taking real ownership of the people we serve. We believe great service isn’t complicated. It’s consistency, accountability, and treating every client and referral partner like they matter.
We answer the phone.
We return messages.
We stay involved from start to finish.
As we grow, we do so intentionally, with one purpose in mind. To help as many Michigan homebuyers and homeowners as possible experience a mortgage process that feels organized, responsive, and personal without sacrificing results.
Serving All of Michigan including Office Locations and Virtual Offices Traverse City, Petoskey, Charlevoix, Manistee, Cadillac, Gaylord, Grayling, Houghton Lake, Frankfort Grand Rapids, Detroit
What Our Clients & Partners Say
“Angie and Kirby are top notch in all aspects. Their teamwork and communication through the process was stellar. Resulting in a smooth transaction and very happy clients. As a Realtor, it’s reassuring to know I can refer Arch Mortgage with nothing but confidence!!”
— Adam Ziegler, Realtor
“Simply the best! I’ve done two mortgages with Kirby, he and his peeps are fast and thorough! Great experience!”
— Kevin Hunter
“Angie was wonderful to work with. She was extremely knowledgeable, super responsive and we would have been lost without her. Thanks so much Angie!”
— Matt Blaszak
“What an absolute amazing and stress free experience. Arch is professional, prudent, detail orientated and customer focused. I highly recommend them for any of your mortgage needs! Thanks Angie, you’re awesome!”
— Dan Dagnall
“Both Angie and Kirby are always so willing to help out and go the extra mile for clients. I absolutely love working with them.”
— Missy Steiner, Realtor
“If you’re looking for hard working, dedicated loan officers, give Kirby and Angie a call! They are honest, always available for questions, and know how to work through tough situations. Highly recommended!!!”
— Jamie Fellows-Garno, Realtor