Digital Home Buyer Guide

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

Whether 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.

View rates or apply online!
Download our free home buying guide
Download our free home buying guide

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 Vlachos, Mortgage Manager


Kathi Vlachos

Mortgage Manager
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


Tiffany Cobb

Mortgage Loan Officer
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.

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