Schedule Your Free Mortgage Consultation
Whether you're buying your first home, refinancing, or building new, this is the place to start. Kirby and Angie will review your goals, walk you through your options, and give you straight answers -- no pressure, no paperwork, no cost.
- Personalized advice from licensed Michigan mortgage lenders
- Guidance on FHA, VA, USDA, Conventional, Jumbo, and Construction loans
- Clarity on down payments, credit scores, and closing costs
- No SSN or credit pull required to get started
- No upfront commitment of any kind
Prefer to reach out directly?
Request Your Free Consultation
Fill this out and we'll reach out same day.
Request received.
Kirby or Angie will reach out by phone, text, or email -- usually the same business day. You'll get a straight conversation, not a sales pitch.
What happens after you reach out.
No scripts. No pressure. Here's exactly how it works.
We Reach Out Same Day
Kirby or Angie will contact you by phone, text, or email the same business day -- usually within a few hours. You tell us how you prefer to communicate.
We Talk Through Your Situation
Quick 10-15 minute conversation. We ask a few questions about your goals, timeline, income, and credit. No SSN. No documents. Just a real conversation.
You Get a Clear Next Step
We tell you exactly where you stand, which loan programs fit your situation, and what your next step looks like. No pressure to move forward until you're ready.
Who this consultation is built for.
Doesn't matter where you are in the process. If you have mortgage questions, we have straight answers.
🏠 First-Time Buyers
Confused about credit scores, down payments, closing costs, or loan types? We walk you through all of it in plain English with zero pressure to apply.
🔄 Refinance Explorers
Not sure if the math works on a refinance? We run the numbers on your current loan vs. today's rates and give you an honest answer -- even if the answer is "not yet."
🏭 Move-Up Buyers
Selling and buying at the same time is complicated. We help you understand how your equity, current mortgage, and new purchase all fit together.
🏛 Construction Clients
Building a home in Northern Michigan? Construction financing is its own world. Kirby specializes in this and can walk you through one-time close options and how draws work.
⚖ Veterans & Military
VA loans are one of the best mortgage products available and one of the most underused. If you've served, we make sure you know exactly what you're entitled to.
🏗 Divorce Situations
Angie holds a specialized divorce lending certification. If you're navigating a buyout, refinancing to remove a spouse, or starting fresh after separation, she's one of very few lenders equipped to help.
What Michigan homeowners say about us.
"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."
"Kirby was incredible from day one. He explained every step, found me a competitive rate, and answered all my questions. I've never felt more confident buying a home."
"Kirby made our construction loan so much less stressful. He knew exactly what the builder and county would need and had us prepared at every step. Closed on time, no surprises."
Ready for a straight conversation?
No commitment, no pressure. Just a quick call or text with someone who actually knows Northern Michigan mortgage lending.
Equal Housing Lender. All loans are subject to credit approval. Rates and programs are subject to change without notice. This is not a commitment to lend. Loan approval is conditioned upon satisfying all underwriting requirements. USDA, FHA, and VA program eligibility subject to specific qualifications and geographic restrictions. Down payment assistance programs subject to income and purchase price limits and program availability. Kirby Slocum NMLS #680817 | Angie Anderson NMLS #1999286 | Union Home Mortgage Corp. NMLS #2229229. Licensed in Michigan, Ohio, and Indiana.
