Kingsley Michigan Mortgage Lender.
Stagtown. A real small town with its own schools, a short drive from Traverse City, and prices that still leave room in the budget. Kingsley buyers are usually families, first-time buyers priced out of town, and people building new. We do those loans every week from our Traverse City and Manton offices, and we answer the phone on Saturdays.
Kirby and Angie are Union Home Mortgage loan officers with offices in Traverse City and Manton who serve Kingsley and southern Grand Traverse County. For Kingsley buyers they typically handle FHA, conventional, and USDA zero-down loans, down payment assistance, and construction-to-permanent loans for new builds, with no origination fee on standard transactions.
Small-town schools, Traverse City jobs.
Kingsley is a village of about 1,400 people in Grand Traverse County, part of the Traverse City metro area, with M-113 running right through downtown as Main Street. Families come for Kingsley Area Schools, Brownson Memorial Park, and a small-town feel that is getting harder to find closer to town.
For a lot of buyers, Kingsley is the answer to a simple problem: Traverse City prices. Here is what usually matters when you finance a home here.
First-time buyers priced out of town
Kingsley is where a lot of first-time buyers land when Traverse City does not pencil out. FHA needs 3.5% down and is more flexible on credit history. Conventional needs at least 5% down, and PMI can come off as you build equity. We will show you both side by side, with real numbers.
USDA zero down on rural addresses
Many addresses around Kingsley qualify for USDA Rural Development financing, which means no down payment for households under the income limits. Eligibility is set by address and the map changes, so we check every property. Starting December 1, 2026, Union Home Mortgage is also one of six lenders in USDA's Delegated Authority pilot, designed to remove a separate USDA review step before closing on eligible loans.
Down payment help
Depending on your income, credit, and the home, down payment assistance options may include MSHDA assistance or Union Home Mortgage programs with low down payments and grant money. Sometimes USDA zero down beats all of them. We run them side by side so you can see real cash to close.
Building new around Kingsley
New construction and land purchases are a big part of this area. A construction-to-permanent loan can cover the land, the build, and your long-term mortgage with one closing. FHA, VA, USDA, and conventional versions exist. Your builder has to be approved, so bring them in early. Builders, start with our builder partner page.
Manufactured homes on your own land
When the home sits on land you own, FHA, VA, USDA, and conventional financing may all be options, single-wide or double-wide, for purchase or refinance. The home needs to be built on or after June 15, 1976, and foundation and title status matter. We do not finance homes in parks or on leased land. More on our manufactured home loans page.
Moving up
If you already own in Kingsley and need more space, the timing of selling and buying matters more than the rate. We will walk through whether you can buy before you sell and what your equity actually does for your next payment.
What works for Kingsley buyers.
All loans are subject to credit approval and underwriting. Here is the short version, and where to read more.
USDA Rural Development
No down payment for eligible rural addresses and households under the income limits.
USDA LoansDown Payment Assistance
Programs that may cover part of your down payment and closing costs.
Down Payment AssistanceVA
Zero down and no monthly mortgage insurance for eligible veterans and service members.
VA LoansKingsley mortgage questions.
Yes. Kirby and Angie are Union Home Mortgage loan officers with offices in Traverse City and Manton. They serve Kingsley, Traverse City, Buckley, Fife Lake, Interlochen, and the rest of Grand Traverse County.
Many addresses around Kingsley qualify for USDA Rural Development financing. Eligibility depends on the property address and your household income, so we check every address against the current USDA map before you count on it.
Often, yes. FHA needs 3.5% down, conventional needs at least 5%, and USDA may need nothing down on eligible addresses. Down payment assistance may also help, depending on your income and credit.
Often, yes. A construction-to-permanent loan can cover the land, the build, and the long-term mortgage with one closing. FHA, VA, USDA, and conventional versions exist, and the builder has to be approved.
Typically yes, when the home sits on land you own. FHA, VA, USDA, and conventional options may be available for single-wide and double-wide homes built on or after June 15, 1976, depending on foundation and title. We do not finance homes in parks or on leased land.
Not on standard transactions. You still have normal third-party closing costs like appraisal, title, and recording, plus prepaids for taxes and insurance. We break those out on your Loan Estimate so you can see exactly what is what.
Buying around Kingsley?
Tell us about the house or the build. We will tell you which loan actually fits, seven days a week.
