Business Details
Your Trusted Mortgage Partner in Grand Rapids, MI
Lake State Mortgage has been dedicated to simplifying the home loan process for Michigan residents since our founding. Our team of experienced mortgage professionals prioritizes personalized service, guiding clients through every step of homeownership or refinancing. With over a decade of combined experience, we specialize in demystifying mortgage options while maintaining transparency about fees and requirements. Our approach emphasizes education through free resources like mortgage calculators and credit score guides, empowering clients to make informed decisions.We serve diverse financial situations, including first-time buyers, self-employed individuals, and those with unique credit histories, while maintaining partnerships with lenders to secure competitive rates. Our commitment to exceptional service is reflected in client testimonials praising our responsiveness and expertise throughout the loan process.
Services
Conventional Loans
FHA Loans
USDA Loans
Refinancing
Home Equity Loans
Highlights and features
- We offer 12+ years of mortgage expertise tailored to Michigan's housing market
- Our team provides personalized loan guidance for unique financial situations
- We maintain partnerships with multiple lenders to secure competitive rates
- We offer free educational resources including mortgage calculators and credit guides
- Our process includes comprehensive pre-approval to strengthen home buying power
Associations and certifications
- NMLS #130562
What people say
Great service
Helpful staff
Smooth process
Personalized guidance
Successful first-time purchase
Services
Conventional Loans
Conventional loans offer flexible terms for home purchases or refinancing. These mortgages suit borrowers with strong credit histories seeking competitive rates without government backing. Our team helps clients navigate down payment requirements, private mortgage insurance, and qualification criteria to find optimal solutions.
FHA Loans
FHA loans provide accessible homeownership options with lower down payments and credit score requirements. Ideal for first-time buyers, these mortgages feature government insurance that allows for more lenient qualification standards while maintaining affordable monthly payments through approved lenders.
USDA Loans
USDA loans offer zero-down payment options for qualified buyers in designated rural areas. These government-backed mortgages include income limits and property eligibility requirements, providing affordable homeownership opportunities through favorable interest rates and reduced closing costs.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We evaluate current mortgage terms against market conditions to determine if refinancing will provide financial benefits through lower interest rates or improved loan structures.
Home Equity Loans
Home equity loans allow property owners to leverage their home's value for major expenses. These fixed-rate loans provide lump-sum payments with predictable repayment terms, offering a reliable financial solution for home improvements, debt consolidation, or educational investments.
People
Kevin Wildman
Mortgage Consultant
With 12+ years of experience in West Michigan, Kevin specializes in guiding clients through mortgage processes while coaching youth basketball. He focuses on personalized service and financial education for first-time buyers and experienced homeowners.
Adam Bergsma
Licensed Mortgage Loan Originator
Adam assists first-time and veteran homeowners with mortgage solutions, emphasizing customer service excellence. He helps clients achieve financial goals through tailored loan options and clear communication throughout the home buying journey.
Randy Grondman
Lending Professional
Randy delivers exceptional service with a 'Wow factor' approach, leveraging extensive mortgage experience. He specializes in explaining complex loan terms simply while maintaining competitive rates and product variety for Michigan residents.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, USDA, and jumbo loans, plus refinancing options. Our team explains each program's benefits to match your specific financial situation and homeownership goals.
How does mortgage pre-approval work?
Pre-approval involves verifying income, assets, and credit to determine your loan eligibility. This process gives you a clear budget range and strengthens your offer when purchasing a home.
Can I get a mortgage with less-than-perfect credit?
Yes, we work with various lenders to accommodate different credit situations. We'll explain how your credit score affects loan terms and provide strategies to improve approval chances.
What's included in closing costs?
Closing costs typically include loan origination fees, title insurance, appraisal fees, and prepaid taxes/insurance. We provide detailed disclosures to ensure no surprises during your loan closing process.
Do you service loans after closing?
While we originate loans through partner lenders, we maintain relationships to assist with post-closing questions. Our team remains available to explain payment structures and future refinancing opportunities.
What areas do you serve?
We provide mortgage services statewide across Michigan, including Grand Rapids, Lansing, Kalamazoo, and surrounding communities. Our team understands local market conditions to better serve regional homebuyers.
Reviews (2)
Carson Banfield
Mar 11, 2025
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Kevin Bieke at Lake State Mortgage in Grand Rapids was exceptional help with our first home buying process. He was patient and always available for questions and always made sure what was going on and what our options were. 10/10 would recommend!
Bridget McAlary
Oct 10, 2024
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My husband and I had a great experience with Lake State Mortgage. We worked with Shelby and she went above and beyond to help us get our first home. We had a lot of questions throughout the process and Shelby was great at walking us through each one. She is very efficient and also very kind. We got to work with Christina during the closing process and she was also great and so helpful! We would definitely recommend Lake State!
