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Mortgage loan products

Mortgages are not one-size-fits-all. Find your fit.

We offer loans to meet almost every need, and our Mortgage Loan Officers are here to help you find the one that fits you best. 


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.

Construction Financing

Macatawa Bank has experienced construction lenders who specialize in single closing construction/permanent products. We even have low down payment options available.

Portfolio Financing

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.

Jumbo Mortgages

If you need mortgage financing that exceeds $453,100, we have very competitive fixed and ARM products that can help you purchase or refinance your home.*

Lot Loans

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 $453,100 are considered jumbo mortgages according to two government-sponsored enterprises Fannie Mae & Freddie Mac.

Let's get started

Contact one of our experienced Mortgage Loan Officers today to get the process started.

Find an expert Mortgage Officer today.

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.

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