The mortgage process doesn't have to be confusing.
Kirby and Angie have helped Northern Michigan families buy and refinance homes for over 40 combined years. Straight answers, no runaround, and a team that actually picks up the phone.
Start Your Mortgage Journey
Takes about 60 seconds. Zero obligation.
Got it. We'll be in touch.
Kirby or Angie will reach out by phone, text, or email -- usually the same business day.
We tell you what other lenders won't.
We've been doing this in Northern Michigan long enough to know what matters. No vague answers, no bait-and-switch rates, no disappearing after you sign.
We Actually Answer
Text or call Kirby and Angie directly. Not a call center. The people working your loan.
We Know Northern Michigan
USDA eligibility, manufactured homes, seasonal income -- we know the nuances of lending here.
Fast Closings
Most loans clear to close in 20 business days or less when docs are in on time.
Right Loan, Not Just Any Loan
FHA, VA, USDA, conventional, jumbo, construction -- we find what actually fits your situation.
Plain English Explanations
We define every term and walk through every number so you understand what you're signing.
No Surprises at Closing
The number we quote is the number you sign. We work the details upfront.
Get smarter before you borrow.
Free guides built for Michigan buyers -- no fluff, no spam, just the answers you actually need.
First-Time Buyer Roadmap
Step-by-step from credit check to closing day. Know exactly what to expect before you start.
Download Free →Michigan Down Payment Cheat Sheet
MSHDA, USDA, VA, FHA -- every zero and low down program for Michigan buyers in one place.
Get the Guide →Rate Watch Sign-Up
When rates drop to your target, we let you know. No daily spam -- just the alert that matters.
Set My Alert →Should I Refinance? Calculator
Run the real numbers on your current loan vs. today's rates. Know your break-even first.
Run the Numbers →The right loan for your situation.
Every loan is different. Here's what we offer and who each one tends to serve best.
Conventional Loans
Competitive rates for buyers with solid credit. Down payments as low as 3%.
First-Time FriendlyFHA Loans
Lower credit requirements, smaller down payments. A great path for first-time buyers.
Veterans & MilitaryVA Loans
Zero down. No PMI. For those who've served. One of the best -- and most underused -- products available.
Northern MI SpecialistUSDA Rural Development
Zero down for homes in eligible rural areas. Much of Northern Michigan qualifies.
K&A DifferentiatorConstruction Loans
Building from scratch? Kirby and Angie specialize in construction financing across Northern Michigan.
Northern MI CommonManufactured Homes
FHA, VA, and conventional options depending on the home's age and land situation.
Northern Michigan isn't like everywhere else.
Seasonal income. Manufactured homes on 10 acres. USDA-eligible land closer to town than buyers expect. We know this territory because we live and work here.
🌲 USDA Zero-Down Territory
Much of Northern Michigan -- Cadillac, Gaylord, Grayling, Houghton Lake, Manistee and surrounding areas -- qualifies for USDA Rural Development financing. Zero down for eligible buyers. Most people never think to ask.
🏠 Manufactured Home Specialists
Manufactured homes are common in Northern Michigan and many lenders won't touch them. Kirby and Angie specialize in getting these done with FHA, VA, and conventional programs.
Two loan officers. One goal.
You get Kirby or Angie -- not a processor pool. Real people who know your file.
Angie Anderson
Angie specializes in first-time buyers, MSHDA down payment assistance, and divorce lending -- a certification that makes her one of very few lenders equipped to navigate the financial complexity of home separation.
Kirby Slocum
Kirby brings decades of Northern Michigan lending experience with deep expertise in construction loans, manufactured homes, and complex transactions. If a loan looks complicated, Kirby's probably seen it before.
What Michigan homeowners say about us.
Real reviews from real closings.
"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."
"Angie was amazing throughout our entire home buying process. So patient, incredibly responsive, and made sure we got the best deal possible. Highly recommend!"
"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."
Real answers to real questions.
These are the questions we get every week. If yours isn't here, text or call -- we'll answer that too.
Ready to talk mortgage?
No commitment, no pressure. Just a straight conversation about where you are, where you want to go, and what loan options actually make sense for you.
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. All payment examples are estimates only. USDA, FHA, and VA program eligibility is 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 NMLS #2229229. Licensed in Michigan, Ohio, and Indiana.
