Realtors • Builders • Vendors • Northern Michigan

Partners Who Send Their
Buyers to Kirby & Angie

We work with Northern Michigan's most trusted real estate agents, builders, and vendors. Meet the professionals we refer -- and find out why agents across Michigan choose to refer their buyers to us.

Become a Referral Partner Meet Our Partners

Kirby and Angie at Union Home Mortgage are Northern Michigan's preferred lender for real estate agents who need a loan officer who communicates proactively, closes on time, and handles the files other lenders decline. Licensed in Michigan, Ohio, and Indiana.

Why Northern Michigan Agents
Refer Their Buyers to Us

Your reputation is attached to every lender recommendation you make. Here's what our referral partners say makes the difference.

📞

We Answer. Always.

Call or text Kirby at 231-709-3136 or Angie at 616-581-6123. No answering service, no callback queue. When your client needs an answer at 7pm, they get one. Agents stop referring lenders who don't respond -- we make sure that's never the issue.

📅

We Close on Time.

A lender who misses closing damages your transaction, your client relationship, and your reputation. We communicate proactively throughout the process, flag issues early, and don't let a solvable condition become a blown closing date.

🗂️

We Work the Hard Files.

Self-employed buyers. Recent credit events. DSCR investors. Manufactured home buyers. First-timers with thin credit history. We don't send your buyers to other lenders when it gets complicated -- we figure out the path and execute.

🎓

We Educate Buyers Early.

A well-prepared buyer makes your job easier. We get clients pre-qualified properly, explain what to expect at each stage, and make sure they understand their numbers before they fall in love with a property.

🔬

We Have the Full Product Set.

Conventional, FHA, VA, USDA, DSCR, jumbo, doctor loans, manufactured home, construction, MSHDA down payment assistance. One lender relationship that covers virtually every buyer you bring us.

🤝

We Treat Your Clients Like Ours.

When you send a buyer to us, your name is attached to that experience. We treat every referred client with the same care we'd give a direct client -- because your referral is the biggest trust signal we receive.

What Kirby & Angie Bring
to Every Transaction

What Your Buyer Gets
What You Get as the Agent
✦ Clear pre-approval with realistic numbers from day one
✦ A lender who communicates status updates without being asked
✦ Plain-English explanation of every loan program option
✦ Proactive condition clearing -- no surprises at the closing table
✦ Down payment assistance review on every eligible file
✦ Access to products most local lenders don't offer
✦ Fast pre-qual turnaround -- no SSN required to start
✦ A lender who answers calls and texts -- including evenings
✦ Post-closing rate monitoring and refi outreach when it makes sense
✦ Deals that close -- protecting your commission and your client relationship

Two Loan Officers.
One Full Product Stack.

Between Kirby and Angie, you have a single lender relationship that covers virtually every buyer profile -- from first-time buyers to seasoned investors.

K

Kirby Slocum

NMLS #680817 • MI, OH, IN

DSCR Loans -- investment property qualified on rental income
Doctor Mortgage Loans -- physicians, dentists, medical professionals
Jumbo Loans -- above-conforming, waterfront, high-value properties
Bank Statement Loans -- self-employed qualifying
Portfolio Loans -- unique situations, flexible underwriting
Conventional, FHA, VA, USDA -- all standard programs
Construction Loans -- Northern Michigan builds
A

Angie Anderson

NMLS #1999286 • Michigan

MSHDA MI First Home & MI 10K DPA -- down payment assistance
First-Time Homebuyer Programs -- full education and prep
Divorce Buyout Financing -- settlement review, equity structuring
Manufactured Home Loans -- FHA, USDA, conventional
Credit Repair to Mortgage-Ready -- long-game buyer development
FHA, VA, USDA, Conventional -- all standard programs
Refinance -- rate reduction, cash-out, FHA to conventional

Our Referral Partner Directory

The Northern Michigan real estate professionals and vendors we work with and refer our clients to. Each spotlight is earned -- not bought.

TK

Trevor Knapp

City2Shore Northern Michigan

Realtor

Northern Michigan real estate agent serving buyers and sellers across the region. Trusted K&A referral partner.

View Spotlight
JG

Jaimie Fellows-Garno

City2Shore Northern Michigan

Realtor

Dedicated Northern Michigan real estate professional with deep knowledge of the local market and buyer needs.

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MS

Missy Steiner

The Difference Real Estate

Realtor

Northern Michigan real estate agent at The Difference Real Estate. Known for her client-first approach and local expertise.

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SW

Sue Whipple

City2Shore Northern Michigan

Realtor

Experienced Northern Michigan realtor helping buyers and sellers navigate the local market with care and professionalism.

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TQ

Team Quist

RE/MAX Central

Realtor Team

A dedicated real estate team at RE/MAX Central serving buyers and sellers throughout the Northern Michigan region.

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JH

Jennifer Hastings

Blue Lakes Real Estate Group

Realtor

Real estate professional at Blue Lakes Real Estate Group with a focus on delivering outstanding results for Northern Michigan buyers and sellers.

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AS

Amy Somers

CENTURY 21 Northland

Realtor

Experienced realtor at CENTURY 21 Northland serving Northern Michigan with a commitment to client service and local market knowledge.

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JW

Jeff & Amy Wagner

Coldwell Banker Schmidt

Realtor Team

A trusted husband-and-wife real estate team at Coldwell Banker Schmidt with deep roots in the Northern Michigan market.

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AZ

Adam Ziegler

@properties | Christie's Intl RE

Realtor

Northern Michigan real estate agent at @properties | Christie's International Real Estate, specializing in exceptional properties and buyer representation.

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CB

Chad & Mandy Brown

Homewaters Real Estate

Realtor Team

Real estate team at Homewaters Real Estate bringing passion and expertise to buyers and sellers throughout Northern Michigan.

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CB

Craig Baas

MI Virtual Tours

Vendor

Professional virtual tour and real estate photography services for Northern Michigan properties. Helping listings stand out in a competitive market.

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MI

Matt & Nikki Indish

MI Homes North Inspections

Vendor

Trusted home inspection professionals serving buyers across Northern Michigan. Thorough, honest, and buyer-focused inspections that protect your investment.

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Want to Be a
Referral Partner?

We're always open to building new relationships with Northern Michigan realtors, builders, home inspectors, title companies, and other professionals who serve homebuyers.

There is no fee, no contract, and no formal process. A partnership starts with a conversation. If we're a good fit for each other's clients, we'll build from there.

1

Reach out directly. Call or text Kirby or Angie and introduce yourself. Tell us how you work and who your clients are.

2

Send us your first buyer. The best way to know if we're a good fit is to work a file together. We'll show you exactly how we operate.

3

We earn our spot in your rotation. We don't ask for referrals -- we earn them. Every transaction should give you a reason to call us again.

Get in Touch Today

📞
Kirby Slocum
NMLS #680817 • MI, OH, IN
Call or Text: 231-709-3136
📞
Angie Anderson
NMLS #1999286 • Michigan
Call or Text: 616-581-6123
✉
Kirby Email
kslocum@uhm.com
Email Kirby
✉
Angie Email
aanderson@uhm.com
Email Angie
Schedule a Free Consultation Apply or Start a Buyer File

Agent & Partner FAQ

There is no formal application or fee. Call or text Kirby at 231-709-3136 or Angie at 616-581-6123 and introduce yourself. Tell us how you work and what your clients typically look like. The best way to start the relationship is to send us a buyer and see how we handle the file. We earn our spot in your rotation -- we don't ask for it.
Between the two of them, they cover virtually every buyer profile -- first-time buyers, move-up buyers, FHA, VA, USDA, conventional, jumbo, DSCR investors, self-employed buyers, physicians and medical professionals, buyers using MSHDA down payment assistance, manufactured home buyers, buyers going through a divorce buyout, and construction loan clients. If a buyer needs a mortgage in Michigan (or Ohio/Indiana for Kirby), they likely have a program for it.
Yes. While Northern Michigan is their home market and primary focus, they are licensed to lend statewide in Michigan. Kirby is also licensed in Ohio and Indiana. Virtual consultations are available for clients anywhere in those three states.
For a straightforward file, same-day turnaround is common. No SSN is required to start a quick pre-qualification. For a full credit-pulled pre-approval with income documentation reviewed, turnaround depends on how quickly the borrower provides their documents. They communicate directly with buyers to move the process along efficiently.
Yes -- and this is one of the situations where Kirby and Angie frequently add value. A buyer who was declined at a bank or another lender is not always actually unqualifiable. Sometimes it's the wrong program, a credit issue that can be addressed, an income documentation issue that a non-QM product solves, or a property type the previous lender didn't know how to handle. It's worth a conversation to find out if there's a path.
Never. When you refer a client to Kirby and Angie, your relationship with that buyer is respected and protected. They do not cross-refer to other agents, solicit your clients for their own agent network, or do anything that would compete with your relationship. Your buyer is your buyer -- they are just the lender.

Ready to Work Together?

Call or text Kirby or Angie, or send us your first buyer. That's all it takes to start.

Call or Text Kirby: 231-709-3136 Call or Text Angie: 616-581-6123 Schedule a Consultation

Kirby Slocum | NMLS #680817 | Angie Anderson | NMLS #1999286 | Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Kirby licensed in Michigan, Ohio, and Indiana. Angie licensed in Michigan. Equal Housing Lender. All loan programs subject to credit approval, underwriting, and eligibility requirements. Referral partnerships do not constitute a guarantee of loan approval or closing. This is not a commitment to lend.