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. At KALSEE, you can choose from an array of products, including conventional, FHA, VA, HARP, and Rural Development mortgages.
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.
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.
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.
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.
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!
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.”
The legal age to apply for and obtain credit is 18 years of age.