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Home Loans

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Your home loan is the most important purchase decision of your life.

Whether you're looking to purchase a home or save with a refinance, trust our expert team to craft the mortgage that's right for you. With affordable rates, low closing costs, and a convenient online application, it's our priority to make your mortgage experience as easy and stress-free as possible. The best place to start is our online mortgage center. There you can check rates, explore calculators, or submit your application. After you've submitted your application, a Mortgage Loan Officer will be in touch to set your first appointment.

Apply Online / Rates / Calculators       

Still have questions? 

Request an Appointment     

Prior to your first meeting with your Mortgage Loan Officer, please collect the documentation we'll need to make the most of your appointment and move your application along as quickly as possible:

 Documentation for Purchase Checklist       documentation for refinance checklist


First time home buyer?

The home buying and mortgage process can be intimidating your first time through. That's why we created a handy dandy guide to help you sort through the overload.

First Time Home buyer Guide


Loan Options





Home buyer guide

Pro Tip:

Want to save on interest? 
While the smaller payment that comes with a longer term is attractive, a shorter term can save you big over the life of your loan. Choose the shortest term that fits the payment you can afford. You'll save with a rate typically lower than longer terms and by paying over a shorter period of time. Even 5 years can make a big difference.

Meet Our Team



Kathi Vlachos, Mortgages profile picture

Kathi Vlachos

Mortgage Manager
269.382.7866
NMLS# 510160

Westnedge branch

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.”


Tiffany Cobb - Mortgages profile picture

Tiffany Cobb

Mortgage Loan Officer
269.382.7867
NMLS# 402910

Stadium, Millcork, Mosel, and Battle Creek branches

A valued Kalsee team member since 2016 and winner of the 2018 Paul Matyas Award for Entrepreneurial Spirit and the Kalsee Challenge Coin, Tiffany brings extensive member service experience to Kalsee’s mortgage team. Her experience includes management, operations, lending, training, and development. Tiffany excels in helping members achieve their financial goals. “Being in the industry since 2005, I’ve had the honor of helping many members find solutions for financial wellness and freedom. The credit union philosophy of ‘People Helping People’ is near and dear to me. Enriching lives and creating opportunity for others is rewarding both personally and professionally. As a Mortgage Loan Officer, my mission is to help people on their journey of home ownership. I’m passionate about helping educate and connect people, creating for them a seamless, stress-free home loan experience,” she says.


James Wood, Mortgage Loan Officer

James Wood

Mortgage Loan Officer
269.382.7893
NMLS# 1586930

James has been in the banking industry since 2016, with experience in member service, lending, and management. He is a recipient of the Kalsee Challenge Coin and a 2020 Paul Matyas Award nominee, and founded Kalsee's Continuous Improvement Committee. James dedicates himself to providing world class member service, and uses his excellent problem-solving skills to help members achieve their goals. “Building relationships with members and ultimately earning their trust is my personal mission. Helping them achieve their goal, whether it be buying their first home or buying their dream home, I strive to make it an easy and fun process,” he says.



More To Explore

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

CFPB Your Home Loan Toolkit

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How Do I...

Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
We offer several convenient options for making your loan payment. Learn more.
KALSEE Credit Union offers Comprehensive Identity Theft Protection for members and their families for only $2.00/month. Learn more about ID Protect.

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