The Mortgage Team Northern Michigan Realtors Actually Want to Work With
Fast pre-approvals. Honest communication. Loans that close on time. We show up for your clients because your reputation depends on it.
Let's Talk PartnershipKirby and Angie Mortgage Loan Team at Union Home Mortgage partners with Northern Michigan realtors to deliver fast pre-approvals, clear communication from contract to close, and access to 192 loan programs so your buyers always have options. We do the work up front so that when your buyer goes under contract, the path to closing is already clear. We are available when you need us, including evenings and weekends, because real estate does not run on bankers' hours.
Your Mortgage Partner Makes or Breaks the Deal
You can do everything right and still have a transaction fall apart because of the lender. A missed document request. A delayed pre-approval. A loan officer who goes dark on a Friday afternoon. We have heard the stories. We are not that team.
Pre-Approvals That Mean Something
We do the work up front. Credit reviewed, income documented, program confirmed before we issue a pre-approval letter. When your buyer makes an offer, that letter holds up under scrutiny. No surprises at the underwriting table.
Availability Like No Other Team in Michigan
Evenings. Weekends. The day before closing when something comes up. We pick up the phone. Real estate does not run on bankers' hours and neither do we. You will always know where your transaction stands.
Quick Closings, Fewer Surprises
Because we do the heavy lifting before the contract is signed, the under contract process moves faster and smoother. Our process is designed to identify and resolve issues early, not at the closing table.
Northern Michigan Local Knowledge
We know which zip codes qualify for USDA. We understand seasonal income. We have closed loans on manufactured homes, vacant land with construction, and everything in between. We are not learning your market on your client's dime.
Open House Support
Per schedule availability, we can be at your open houses to answer buyer financing questions on the spot. We also create custom open house flyers with financing scenarios so buyers understand what is actually possible.
Social Media and Lead Nurturing
We create co-branded social media content and support lead nurturing for buyers in your pipeline who are not quite ready to make a move yet. We stay in front of them so you do not have to.
The K&A Realtor Coaching System
Most realtors learned real estate. Not mortgages. There is a big difference between knowing a buyer needs a loan and knowing which loan fits, what it takes to qualify, and how to set the right expectations from day one. We fix that.
What Every Realtor Needs to Know About the Mortgage Process
Partner agents get access to our ongoing coaching system built specifically for real estate professionals. This is not a one-time seminar. It is a working knowledge base that makes you a sharper, more confident agent for your buyers and sellers.
192 Loan Programs. Your Buyers Have Real Options.
One of the biggest ways we protect your transactions is by knowing which program fits before the offer goes in. We are not a one-product shop.
What You Get When You Partner With Us
This is not a referral arrangement where we take your clients and disappear. We work alongside you from first conversation through closing and beyond.
Pre-Approval Letters Within 24 Hours
For qualified buyers who have submitted documentation, we turn pre-approvals quickly. We know your offers need to move fast in a competitive market.
Open House Attendance Per Schedule
We can be on site at your open houses to talk financing with interested buyers. No pressure sales tactics. Just real answers that make buyers more confident.
Custom Open House Flyers
We create financing scenario flyers for your listings that show buyers what they could pay at different price points. A real tool, not a generic handout.
Co-Branded Social Media Content
We produce co-branded content you can post across your channels featuring your listings, local market info, and homebuyer education that positions you as the expert.
Lead Nurturing for Not-Yet-Ready Buyers
Buyers who are 6 to 12 months away from being purchase-ready do not fall through the cracks. We keep them warm and send them back to you when they are ready.
UHM Services 95% of Loans After Closing
Your clients become lifelong contacts, not just closed files. When they are ready to refinance or buy again, the relationship is already there, and so are we.
K&A Realtor Coaching System
Partner agents get ongoing access to our realtor mortgage education system. The more you know about how loans work, the more confident your buyers are and the smoother your transactions run.
What Northern Michigan Realtors Are Saying
We let our partners speak for themselves.
If you're looking for hard working, dedicated loan officers, give Kirby and Angie a call! They will do their best to get you the perfect loan package! They are honest and always available for questions. They work with integrity and know how to trouble shoot and work through tough situations! Highly Recommended!!!
Had 2 closings this week with Angie and I can't say enough about how hard she worked and how many hoops she went through for my buyers. She goes above and beyond and I am happy to share that with anyone!! Give her a call and you will see!
Always great to work with Kirby and Angie! They communicate to always keep you informed where things are at with loan process and they get that clear to close quick!
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 them with nothing but confidence!!
Kirby and Angie are really on top of things. They work hard to find ways for their people to be successful. They are knowledgeable and yet also eager to learn when it comes to finding ways to help people. They are next level!!
Both Angie and Kirby are always so willing to help out and go the extra mile for clients. I absolutely love working with them.
How to Start Referring Your Buyers
No complicated onboarding. No exclusivity requirements. Just a conversation to make sure we are a good fit.
Reach Out
Fill out the form below or email us directly. We will get back to you the same day, typically within a few hours.
Quick Conversation
We spend 20 to 30 minutes learning about your business, your clients, and what you need from a mortgage partner. No pitch. Just conversation.
Send Us Your First Buyer
We take it from there. You will see our process firsthand on your first referral and decide if we are the right fit for your business.
Ready to Build Something Together?
Tell us a little about your business and we will be in touch within a few hours. No spam. No pressure. Just a real conversation.
Realtor FAQ
For buyers who have submitted their documentation, we typically turn pre-approvals within 24 hours. In competitive situations, we can often move faster. Call us and we will tell you exactly what we can do for your specific buyer.
Yes. We are well versed in MSHDA MI First Home and MI 10K DPA programs and use them regularly. Down payment assistance is a real tool for Northern Michigan buyers and we know how to structure these loans properly.
Yes. Manufactured homes and rural properties are a significant part of the Northern Michigan market and we have experience closing both. We know the titling requirements, land ownership considerations, and which programs apply.
We have loan options specifically for self-employed borrowers including bank statement programs that use 12 to 24 months of deposits rather than tax returns. Seasonal and non-traditional income is something we work with regularly in Northern Michigan.
Yes. Real estate does not stop on Friday afternoon and neither do we. You can reach us evenings and weekends. We will not leave you waiting when something comes up at the worst possible time.
Union Home Mortgage services approximately 95% of the loans we originate. That means your clients are not handed off to a faceless servicer after closing. The relationship continues, which matters when they are ready to buy again or refinance.
No. We earn your referrals by performing. We are not asking for exclusivity up front. Send us a buyer and see how we work. We are confident the experience speaks for itself.
