Mortgage Lending Products
Fixed rate: 10, 15, 20 or 30 year options
We have fixed interest rate options which allow you to enjoy the comfort of knowing your rate won't change. You can choose 10, 15, 20 or 30 year amortization options.
ARM (Adjustable Rate Mortgages)
Depending on the interest rate environment and your personal financial goals, an ARM might be right for you. We have ARM's available with various fixed rate terms to choose from.
FHA, MSHDA and Rural Development loans available
Macatawa Bank has several different government lending products available. These programs offer lower down payment requirements along with favorable terms.
Sometimes it takes a little "out of the box" thinking for mortgage financing. We have customized mortgage products for special circumstances to assist with purchases and refinances.
Macatawa Bank has experienced construction lenders who specialize in both single closing construction/permanent products along with very flexible two time closing options. We even have low down payment options available.
If you need mortgage financing that exceeds $417,000, we have very competitive fixed and ARM products that can help you purchase or refinance your home.*
Interested in buying a lot? Macatawa Bank has several different financing options for you to choose from.
*Loans for single-family, one-unit properties over $417,000 are considered jumbo mortgages according to two government-sponsored enterprises Fannie Mae & Freddie Mac.