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.

Battle Creek Area

Mary Remynse

mary remynse

Lending Area: Greater Battle Creek area
Phone: 800.442.2800 ext. 9043
Email: mremynse@honorcu.com
NMLS ID: 2069776

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

Nichole Kabara

nichole kabara

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

Matt Nordberg

matt nordberg

Lending Area: Greater St. Joseph community
Phone: 800.442.2800 ext. 2721
Email: mnordberg@honorcu.com
NMLS ID: 2096284

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

Nita Rich

nita rich

Lending Area: Greater Jenison area
Phone: 800.442.2800 ext. 9519
Email: nrich@honorcu.com
Facebook: Connect with Nita
NMLS ID: 1225861

Lisa Wyatt

lisa wyatt

Lending Area: Greater Wyoming area
Phone: 800.442.2800 ext. 9356
Email: lwyatt@honorcu.com
NMLS ID: 1369962

Kalamazoo Area

Mary Remynse

mary remynse

Lending Area: Portage, Vicksburg, Schoolcraft, Mattawan
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

Lisa Wyatt

lisa wyatt

Lending Area: Greater Paw Paw and Decatur areas
Phone: 800.442.2800 ext. 9356
Email: lwyatt@honorcu.com
NMLS ID: 1369962

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

Our team of virtual mortgage lenders 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

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