We will be closed on Thanksgiving. See you on Black Friday!
Young couple reviewing mortgage documents

Mortgage Loan Process



Apply For Mortgage Icon
Step 1

Apply online, over the phone or in person.

 



Meet With a Mortgage Lender Icon
Step 2

Meet your loan officer to discuss your application information and select the mortgage product best for you. 

1 day



Sign Documents And Disclosures Icon
Step 3

You provide the required loan documents and sign initial disclosures. 

3-5 days



House Appraisal Icon
Step 4

Macatawa Bank orders the appraisal and begins the underwriting process. 

12-14 days



FinancingReview
Step 5

We review approval requirements together.* 

1-3 days



Approving Loan icon
Step 6

Macatawa Bank approves the loan and schedules closing.*

7-10 days



Mailing Disclosures Icon
Step 7

Macatawa Bank mails closing disclosures.** 

2-3 days



Review Closing Docs Icon
Step 8

Review closing disclosures for a minimum of 3 business days.**

3 days



Sign Documents Icon
Step 9

Sign closing documents. 

1-3 days





Mortgage Loan Process Icon

Process usually takes
30-40 business days.


Get started online

Apply or get pre-qualified for any of our Mortgage options by clicking the buttons below.

Apply now for a mortgage

Get prequalified for a mortgage

Disclosures and borrower info

Macatawa Bank's primary lending area is West Michigan.  Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
  • 9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
  • 9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.


Have questions?

Call us at (877) 820-2265 to schedule an appointment with a Mortgage Loan Officer or fill out the contact form below and we will have one of our Loan Officers reach out to answer any questions you have.



*All loans are subject to credit approval. Delay in providing documentation to the bank will result in delay of approval.
**Required by federal law.
Disclosures and borrower information
Macatawa Bank's primary lending area is West Michigan. Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

* required fields
Preferred form of contact *
What is your preferred method of contact?
Existing customer? *
Are you an currently a customer at Macatawa Bank?