Mortgages 2017-05-02T21:17:10+00:00

MORTGAGES

Get $500 off closing costs on your purchase or refinance when you apply by June 30th, 2017!*

Mortgages


KALSEE is your trusted mortgage resource in West Michigan, offering affordable rates, low closing costs, and a team of experienced mortgage professionals.

View Rates or Apply Online!

Kalamazoo MortgagesWhether you’re a first-time homebuyer, refinancing, or buying your dream home, we’re here to help you get the right mortgage, at the right price, personalized for your needs. At KALSEE, you can choose from an array of products, including conventional, FHA, VA, HARP, and Rural Development mortgages.

Experience counts.

Our loan officers are some of the most experienced in the region, dedicated to giving you the time and attention you need – all with a friendly, knowledgeable, and sincere approach. We also make loan decisions locally, for added peace of mind. Having trust in those who serve you will make buying a home, a major life decision, as easy and stress-free as possible.

Getting started.

Visit our user-friendly mortgage website. Here, you can learn about your options, review different scenarios using our rate and payment calculators, and start your application. You can also determine how much house you can afford, learn the difference between fixed and variable rates, and how the length of your term can impact your payment amount.

If you’re a first-time buyer, take a virtual tour of the entire home buying process. It includes a handy checklist of what you need to get your mortgage started plus a guide to choosing just the right house.

Personal attention.

Next will be a credit review with a KALSEE mortgage loan officer. You’ll see where you stand budget-wise and if you’re ready to buy a home. Depending on your situation, we can offer the next steps for securing a mortgage, tips for improving your credit or help with saving for a down payment. We can even preapprove you for the loan, so you’ll have more bargaining power when making an offer.

Refinancing options.

If you’re already in a home you love, we can help you to refinance and save. Rates are low and terms flexible, designed to either lower your monthly payment or shorten your term. We also offer special rates for cash-out refinances – enabling you to refinance for more than the amount you owe and take the difference in cash. This option is ideal for completing renovations around the house or paying off other bills.

Apply today.

Call 877.KAL.SEE1 to start your application or apply online on our mortgage website. Our advisors will be with you every step of the way to ensure the transaction goes smoothly. You’ll be in your new home quickly and affordably, with a mortgage that’s right for you!

 

Documentation for Purchase Checklist
Documentation for Refinance Checklist
Payment Calculators

Kathi VlachosKathi Vlachos

Mortgage Manager
269.382.7866
NMLS# 510160
Westnedge, Mosel, and Battle Creek offices

Kathi brings over 25 years of mortgage banking experience to KALSEE. She’s developed mortgage programs from the ground up, worked in a large banking environment as well as for smaller community banks, developed business plans, and set goals. Throughout her career, Kathi has emphasized team development through training, mentoring, and open communication – always with a focus on excellent service. Serving KALSEE members since November of 2014, she looks forward to the continued expansion of the credit union’s mortgage offerings and providing expert, friendly and conscientious service to homebuyers. “I never fail to feel the excitement when helping a member get the home they want,” says Kathi. “Whether it’s their first home, dream home or a retirement getaway, it’s always a privilege.”

Jessica ParksJessica Parks

Mortgage Loan Officer
269.382.7864
NMLS# 915273
Stadium, Millcork, and Battle Creek offices

Jessica has been part of the financial services industry since 2008. She previously worked for Bank of America and Consumers Credit Union, and has extensive real estate lending experience, serving as a Mortgage Loan Originator for Monarch Community Bank and an Escrow Coordinator for Chicago Title. Jessica joined the KALSEE team in 2015 and looks forward to providing the best possible mortgage experience for members, adding: “I enjoy building relationships with our members. Purchasing a home is a huge life goal for most, and I love that I can help make it possible.”

The legal age to apply for and obtain credit is 18 years of age.

*$500 off closing costs is a limited time offer and is subject to change at any time. Minimum finance amount to qualify is $50,000. $500 promotional offer cannot be used toward down payment or with any other discounts and is not available on home equity or home equity lines of credit. Standard underwriting guidelines apply. Must apply for loan by June 30, 2017 to receive promotional discounts. Cannot be combined with any other offer. Must be a Kalsee Credit Union member to participate. Offer subject to change.