Home Mortgages

Personal Borrowing

We See A Home

Home ownership is as exciting as it is daunting. Big banks, impersonal service, and cold systems can discourage many potential buyers. When others see risk, we see a home.

Jumpstart Your Mortgage Now

Buying a Home

Our personal mortgage team will make your purchase fast, easy, and personal.


Is your rate too high? Let’s review your loan and get you the lowest rate available.

Build & Remodel

When limited cash flow slows down your remodel or building project, we see possibility.

Meet The Team

Kevin Fish

Cedar Springs and Rockford

Gary Hall

Kent City

Nick Lewis

Kent City

John Oppenhuizen

Alpine and Grand Rapids

Annette Powell

Fremont, Grant, Newaygo

Carmen Villahermosa de Cox

Grand Rapids, Ravenna, Coopersville

Dan Wheat

Grant and Muskegon

Joann Yates


Calculators & Resources


Four Ways to Avoid Common Loan Mistakes



West Michigan Has Emerged as Michigan’s Economic Power House and Vacation Playground

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What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.