Northern Michigan is home.
All of Michigan is our territory.
Kirby and Angie are based in Traverse City and Manton, but licensed statewide in Michigan. The team's deepest expertise is in Northern Michigan -- 14 markets from Traverse City to Frankfort to Suttons Bay. They also serve buyers throughout the state, including Grand Rapids, Detroit, Big Rapids, and Reed City. Wherever your Michigan home search takes you, the right loan program is the same conversation.
Kirby and Angie Mortgage Loan Team through Union Home Mortgage serves homebuyers across Michigan with conventional, FHA, VA, USDA, jumbo, construction, second home, DSCR, and down payment assistance programs. Primary offices in Traverse City and Manton. Deepest expertise in Northern Michigan -- Antrim, Benzie, Charlevoix, Grand Traverse, Kalkaska, Leelanau, Manistee, Missaukee, Osceola, and Wexford Counties. Licensed statewide -- also serving Kent County (Grand Rapids), Wayne County (Detroit), Mecosta County (Big Rapids), and beyond.
Northern Michigan -- where we work every day.
This is home territory. Kirby and Angie live and work in Northern Michigan. The market knowledge on these pages comes from doing this work here -- knowing which communities are USDA-eligible, which markets require jumbo, how seasonal income qualifies, what manufactured home financing looks like in rural counties, and what buyers actually encounter when they make an offer in a market moving at 5 days or 100 days. Click any community to see local market data, specific programs, and current pricing context.
Traverse City
Regional HubElk Rapids
Chain of LakesInterlochen
Arts + LakesCharlevoix
Three WatersPetoskey
McLaren PhysicianEast Jordan
Working FamilySuttons Bay
Wine CountryFrankfort
Sleeping BearManistee
Buyer's MarketCadillac
Our BackyardManton
Our OfficeLake City
USDA EligibleGaylord
Alpine VillageGrayling
Two Zero-DownHoughton Lake
Michigan's Largest InlandBroader Michigan -- licensed wherever you are searching.
Kirby and Angie are licensed throughout Michigan. These five markets serve buyers in different parts of the state -- from metro markets like Grand Rapids and Detroit to rural central Michigan communities like Reed City and Big Rapids, and the Traverse City feeder market of buyers relocating north.
Grand Rapids
Detroit
Big Rapids
Reed City
The right program depends on where you are buying.
Different markets require different financing tools. Here is a quick reference by territory type.
USDA Zero-Down
Broad eligibility across Wexford, Missaukee, Osceola, Mecosta, Crawford, Manistee Counties and rural township areas throughout Northern Michigan.
USDA Details →Jumbo Loans
Standard in Leelanau County, Petoskey/Bay Harbor, Charlevoix waterfront, Frankfort, premium Elk Lake and Grand Traverse Bay properties.
Jumbo Details →Second Home
Applies across all resort and lakefront markets. Distinct from investment property -- specific occupancy requirements. Half the Leelanau County market. Common in Houghton Lake, Charlevoix, Petoskey.
Second Home Details →VA Loans
Zero down, no PMI throughout all markets. Especially notable in Grayling (Camp Grayling) and anywhere veterans are purchasing primary residences in Michigan.
VA Details →FHA Loans
Primary entry program in Grayling, Reed City, Big Rapids, Detroit, Houghton Lake, and other markets where buyers have income but limited savings or credit history.
FHA Details →Construction Loans
Active in Interlochen, Elk Rapids Township, Jordan River Valley, Benzie County rural areas, and anywhere buyers want to build rather than buy existing.
Construction Details →Physician Loans
Munson Medical Center in Traverse City. McLaren Northern Michigan in Petoskey. 100% to $1M, no PMI, student debt excluded, close 90 days before start date.
Physician Details →MSHDA DPA
Up to $10K in down payment assistance where zip code qualifies. Highly impactful in Cadillac, Manton, Lake City, Grayling, Reed City, and other affordable markets.
DPA Details →Not sure which market or which program?
Tell us where you are looking and what your situation is. We'll tell you exactly which program fits and what you need to get moving in that market.
Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Angie Anderson NMLS #1999286 | Kirby Slocum NMLS #680817 | Licensed in Michigan, Ohio, and Indiana | Equal Housing Lender. All loans subject to credit approval and underwriting review. USDA, VA, and program eligibility subject to qualification requirements and property verification. Information for educational purposes only and does not constitute a loan commitment.
