Mortgage
Lenders

A Local Expert Can Help You Buy a Home

One of the many great benefits of working with Honor to buy a house is that our mortgage lenders are local across all of our markets in Southwest Michigan and in the Upper Peninsula. They live and work in the area you are looking to buy a house. Honor offers a full line of home loan products and we have a local lender to help you understand them all and guide you through the buying process.

BUY NOW

& Refinance Later

Outsmart The Rates!

Buy the house you want now and if rates improve within the next two years, you can refinance your loan with no lender fees.*

*Terms, Conditions, and Eligibility Requirements:

1. The Buy Now, Refinance Later (“Program”) allows for a rate and term refinance with no lender fees to qualified applicants.

2. The Program is not a guarantee that the borrower or the property will qualify for a refinance, nor is it a guarantee that a lower interest rate or payment can be provided to the borrower by Honor Credit Union.

3. The borrower must apply and be approved for their purchase home loan with Honor Credit Union between 06/01/2024 and 08/31/2024 and must close on their new purchase home loan by 10/31/2024 to be eligible for the Program.

4. To be eligible, the refinance must be a first lien, rate and term refinance (no cash out) of the same property and paying off the original loan financed by Honor Credit Union. The refinance must close no later than 10/31/2026 to be eligible for the Program.

5. The borrower and property must qualify for the refinance, including meeting all applicable underwriting guidelines and closing conditions as they are in effect at the time of approval.

6. The borrower must have made at least six (6) consecutive monthly on-time payments on the purchase loan before applying for the refinance.

7. Member’s account must be in good standing at time of refinance to qualify for promotional offer.

8. Fees that will be waived or paid by lender on the eligible refinance under the Program include only fees paid to the lender, including origination, processing, underwriting, administration, or funding fees, as applicable. It does not include fees charged to reduce the interest rate, including discount points and buydown fees, and does not include fees paid to third parties other than Honor Credit Union, including but not limited to tax service fees, wire fees, appraisal cost, credit report fees, settlement agent/attorney fees, title insurance fees, escrow, notary or government fees. The program does not cover property insurance costs, flood insurance costs, property taxes or escrow account funding costs.

9. The Program is only valid for loans originated through Honor Credit Union.

10. Offer may not be redeemed for cash or credit and is not transferrable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts or promotions.

Battle Creek Area

Kristen Vella

kristen vella

Lending Area: Greater Battle Creek area
Phone: 800.442.2800 ext. 9886
Email: kvella@honorcu.com
NMLS ID: 1275869

Berrien County Area

Kellie Eldridge

kellie eldridge

Lending Area: Greater Stevensville and Baroda areas
Phone: 800.442.2800 ext. 9327
Email: keldridge@honorcu.com
NMLS ID: 510619

Matt Nordberg

matt nordberg

Lending Area: Greater St. Joseph community
Phone: 800.442.2800 ext. 2721
Email: mnordberg@honorcu.com
NMLS ID: 389569

Nichole Pompey

nichole kabara

Lending Area: Greater Dowagiac and Niles areas
Phone: 800.442.2800 ext. 9554
Email: npompey@honorcu.com
NMLS ID: 897480

Ted Strawbridge

ted strawbridge

Lending Area: Greater Coloma, South Haven, and Hartford communities
Phone: 800.442.2800 ext. 9906
Email: tstrawbridge@honorcu.com
NMLS ID: 1872388

Greg Toliver

greg toliver

Lending Area: Greater Berrien Springs  and Benton Harbor areas
Phone: 800.442.2800 ext. 9335
Email: gtoliver@honorcu.com
NMLS ID: 1471869

Coldwater Area

Kristen Vella

kristen vella

Lending Area: Coldwater and Greater Branch County area
Phone: 800.442.2800 ext. 9886
Email: kvella@honorcu.com
NMLS ID: 1275869

Grand Rapids Area

Stefani Prestly

stefani prestly

Lending Area: Allendale area
Phone: 800.442.2800 ext. 9506
Email: sprestly@honorcu.com
NMLS ID: 2119605

Monica Shannon

monica shannon

Lending Area: Jenison area
Phone: 800.442.2800 ext. 9905
Email: mshannon@honorcu.com
NMLS ID: 640805

Ryne Siebenmark

honor credit union mortgage lender ryne siebenmark

Lending Area: Wyoming area
Phone: 800.442.2800 ext. 9206
Email: rsiebenmark@honorcu.com
NMLS ID: 2119607

Kalamazoo Area

Mary Remynse

mary remynse

Lending Area: Portage, Vicksburg, Schoolcraft, Mattawan, Paw Paw, Decatur
Phone: 800.442.2800 ext. 9043
Email: mremynse@honorcu.com
NMLS ID: 2069776

Nita Rich

nita rich

Lending Area: Kalamazoo, Plainwell, Otsego, Allegan
Phone: 800.442.2800 ext. 9519
Email: nrich@honorcu.com
Facebook: Connect with Nita
NMLS ID: 1225861

Upper Peninsula Area

Adam Carpenter

adam carpenter

Lending Area: Marquette, Negaunee, Gwinn & all U.P. communities
Phone: 800.442.2800 ext. 5044
Email: acarpenter@honorcu.com
NMLS ID: 514411

All Areas

We have a team of mortgage lenders who assist homeowners who are most comfortable working via phone and e-mail. They can help buyers across the entire state of Michigan.

Stefani Prestly

stefani prestly

Lending Area: Stefani assists buyers across the state who prefer to communicate by phone or email.
Phone: 800.442.2800 ext. 9506
Email: sprestly@honorcu.com
NMLS ID: 2119605

Monica Shannon

monica shannon

Lending Area: Monica assists buyers across the state who prefer to communicate by phone or email.
Phone: 800.442.2800 ext. 9905
Email: mshannon@honorcu.com
NMLS ID: 640805

Ryne Siebenmark

honor credit union mortgage lender ryne siebenmark

Lending Area: Ryne assists buyers across the state who prefer to communicate by phone or email.
Phone: 800.442.2800 ext. 9206
Email: rsiebenmark@honorcu.com
NMLS ID: 2119607

Frequently Asked Mortgage Questions

Getting pre-approved is easy! You can simply apply online. Click here to start! You can also contact a local Honor mortgage lender to set up an appointment. One of the advantages of working with Honor Credit Union for your home loan is the comfort you will feel knowing you can contact your lender directly or stop by his or her office anytime you have questions. Another advantage is that our lenders live in the markets they serve, and all decisions are made locally.

Once your offer to purchase a home has been accepted and signed, you are ready to meet with your lender to turn your pre-approval into a loan application. Please download the document below for a checklist of items that must be provided to your lender in order for them to lock in your interest rate and process your application in a timely manner.

honor credit union mortgage checklist
Click to download

Yes! In fact, applying to get pre-approved for a home mortgage loan is the FIRST thing you should do before you begin your search for the perfect home.

During this process, your lender will provide guidance on the best loan option to fit your situation along with an approved loan amount. Your lender will also give you a pre-approval letter, which signifies that you are a qualified buyer. You can share this letter with your realtor to include with your offer to purchase a home. Not only will your pre-approval letter add more weight to any offers you submit, but it will also guide your home search.

Mortgage interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy.

Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

Private Mortgage Insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. Like other kinds of mortgage insurance, PMI protects the lender if you stop making payments on your loan.

PMI is usually required when you have a conventional loan and make a down payment of less than 20 percent of the home’s purchase price. If you’re refinancing with a conventional loan and your equity is less than 20 percent of the value of your home, PMI is also usually required.

An escrow account is where funds are held by the lender to make payments for your homeowners’ insurance and property taxes. Lenders will collect those funds monthly along with your loan payment and then pay the tax and insurance bills when they are due. Generally, the funds are included in your total monthly payment. Since the price of property taxes and insurances can fluctuate, so can the amount needed for your escrow account to cover those bills. Sometimes this can change your required monthly payment.

Honor Credit Union is a proud member of:

mortgage bankers association logo
ACUMA logo

Scheduled Maintenance

Our mortgage and home equity application platform is currently unavailable due to routine scheduled maintenance. We apologize for any inconvenience.

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.