Manton Michigan
Mortgage Lender.
This is home. Our office is at 113 W Main Street in Manton. Angie lives and works in this community. When you work with us on a Manton or Wexford County purchase, you are working with a lender who knows the specific roads, the specific neighborhoods, and the specific quirks of this market -- because this is where we are every day, not a market we service from a distance.
Kirby and Angie have an office at 113 W Main Street in Manton and serve Wexford County buyers with USDA zero-down, FHA, VA, conventional, and manufactured home loans. Median listed home prices in Manton run approximately $225,000 to $242,000. Wexford County overall averages around $189,000, with homes going to pending in just 6 days. USDA eligibility applies broadly throughout Wexford County. Manton is 15 minutes north of Cadillac, 45 minutes south of Traverse City, and sits on the Pere Marquette State Trail corridor.
We do not service Manton from somewhere else.
Every other mortgage lender serving Manton drives up from Traverse City, works from Cadillac, or handles it as a remote market from somewhere south. Our office is at 113 W Main Street. Angie grew up in this region and works here every day. That is not a marketing point -- it is the difference between a lender who knows what a Manton address means on an appraisal versus one who has to Google it.
Manton is a small community in northern Wexford County built around the old railroad, the Pere Marquette State Trail, and the agricultural land that makes up much of the surrounding township. It sits at the geographic center of the K&A service area -- 15 minutes north of Cadillac, 45 minutes south of Traverse City, and within easy range of the entire Northern Michigan region. The people who buy homes here are working families, farmers, tradespeople, retirees who want small-town character, and people priced out of larger Northern Michigan communities who found that Manton gives them everything they need at a fraction of the cost.
What Buying in Manton Actually Looks Like
Wexford County homes go to pending in approximately 6 days on average -- which means when a well-priced home hits the market in Manton, it does not sit. Buyers who do not have a pre-approval already completed will miss properties they want. This is not an exaggeration. We see it happen in this community specifically.
The median listed price in Manton runs around $225,000 to $242,000. Wexford County overall averages approximately $189,000 per Zillow. At these price points, USDA zero-down and MSHDA down payment assistance programs are highly impactful -- the gap between renting and owning narrows significantly when the down payment barrier is addressed. We are approved MSHDA lenders and we have originated more USDA loans in Wexford County than we can count. These are the programs this community runs on.
Manufactured Homes in Wexford County
Manufactured homes are a meaningful part of the housing stock in and around Manton. We finance manufactured homes in this area regularly -- FHA, VA, USDA, and conventional depending on foundation type and title status. If you are looking at a manufactured home in Manton or the surrounding Wexford County area, tell us upfront. We assess program eligibility immediately based on the property characteristics and tell you what you are working with before you spend time on a property that has financing complications.
Agricultural Land and Construction Loans
Wexford County has active land sales -- agricultural parcels, wooded lots, and properties with acreage that appeal to buyers who want space at a price that does not exist in resort communities. Construction loans for buyers building on land parcels in Manton, Boon, Mesick, and surrounding Wexford County townships are a regular part of our business. One-time close construction-to-permanent financing covers the build and converts automatically at completion.
- USDA zero-down for eligible Wexford County addresses
- MSHDA MI 10K DPA where zip code qualifies
- FHA with 3.5% down and flexible credit requirements
- VA zero-down for eligible veterans
- Conventional loans for buyers with down payment and solid credit
- Manufactured home financing on qualified properties
- Construction loans for land buyers throughout Wexford County
Our Manton Office.
113 W Main Street, Manton MI 49663. This is where Angie works. When you call for a Manton or Wexford County purchase, you are not calling a regional call center -- you are calling someone who drives past the listings you are looking at on the way to the office.
Programs that work for Manton area buyers.
Wexford County's rural character, affordable price point, and USDA eligibility make these the most relevant programs for Manton area buyers.
USDA Rural Development
Wexford County is broadly USDA-eligible. Zero down payment, competitive rates, and low mortgage insurance for primary residence buyers who meet income limits. The program most Manton buyers should check first.
Check Eligibility →MSHDA Down Payment Assistance
Up to $10,000 toward down payment and closing costs where the zip code qualifies. At Manton's price point, this assistance is highly impactful. We are approved MSHDA lenders -- we have done this in Wexford County many times.
Learn More →FHA Loans
3.5% down with flexible credit requirements. The most accessible entry point for buyers who do not qualify for USDA or want additional flexibility on credit history. Also the best manufactured home program in the county.
Learn More →VA Loans
Zero down, no mortgage insurance for eligible veterans and service members. Northern Michigan has a significant veteran population. If you have served, VA is almost always the best available program at any price point.
Learn More →Manufactured Home Loans
Manufactured homes are common throughout Wexford County. We handle these transactions regularly in this market and know what to expect. FHA, VA, USDA, and conventional options depending on title status and foundation type.
Learn More →Construction Loans
Wexford County has active land sales. One-time close construction-to-permanent financing covers the build and converts automatically. We work with builders throughout the county and have done this here many times.
Learn More →Manton mortgage questions answered.
Buying in Manton?
We are already here.
113 W Main Street. Angie lives in this community. Your pre-approval is handled by someone who drove past the listing this morning. Start today.
Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Angie Anderson NMLS #1999286 | Kirby Slocum NMLS #680817 | Licensed in Michigan | Equal Housing Lender | 113 W Main St, Manton MI 49663 | 1396 Douglas Dr #22-A, Traverse City MI 49696. All loans subject to credit approval and underwriting review. USDA eligibility subject to address verification and income limits. MSHDA program eligibility subject to zip code qualification and current program availability. Market data sourced from Zillow, Rocket Homes, Movoto, and Redfin 2025. Information for educational purposes only and does not constitute a loan commitment.
