Loans
Our Mission is Your Dreams
West Michigan Community Bank offers a complete selection of mortgage, home equity and consumer loan products designed to meet our customer’s needs. We understand that relationships matter and we are here to help you reach your dreams.
You can contact us (link to lenders) to apply by phone or visit us at one of our branch locations (link to branches).
Consumer Loans
When you need money for your next new or used car, truck, boar or recreational vehicle; take advantage of the convenience, flexibility and service offered by the bankers at West Michigan Community Bank. Your fixed interest rate is determined by the term of the loan, the collateral and your credit score. Choose automatic payments from a West Michigan Community Bank checking or savings account and receive a discount on your interest rate.
Home Equity Loans
You can use the equity in your home to borrow for almost any purpose. West Michigan Community Bank encourages you to make responsible decisions regarding pledging your home as collateral and our banking professionals are here to help you find the best solution to meet your needs. We offer fixed rate term Home Equity Loans and variable rate Home Equity Lines of Credit. Some borrowers select a home equity loan/line because the interest may be tax deductible, unlike other consumer loans. Please see your tax advisor for more information.
Fixed Rate Term Home Equity Loans – This loan is secured by the equity in your primary residence or second home. You borrow a lump sum of money for a specific purpose. This loan has a fixed rate with regular monthly payments of principal and interest, to fit your budget.
Home Equity Line of Credit – Our Equity Advantage also allows you to borrow against the equity in your primary residence or second home. You are approved for a maximum line of credit and your can borrow the funds as you need them. Your monthly payment is interest only on the amount you have outstanding on the line. You may make principal reductions at your discretion, with a final balloon payment due at maturity. Rates are variable and subject to change at any time.
Mortgage Loans
Whether you are building, buying or refinancing a home, our experienced mortgage bankers are here to help you find the right mortgage loan to meet your needs. We offer a complete selection of competitive mortgage products. Our mortgage bankers focus on relationships and take pride in finding the right solutions you, so they can continue that relationship in the future.
Fixed Rate Options – We offer fixed rates with the amortization period that fits your budget. The principal and interest payments will stay the same for the entire mortgage term.
ARM (Adjustable Rate Mortgage) – We offer ARM products with various initial fixed rate terms to choose from. This product is amortized over 30 years, offers an initial fixed rater period before the rate adjusts. This product may meet your needs if you or your property does not conform to traditional fixed rate financing. This may also offer a lower initial interest rate for customers who are not looking for a long-term solution or are not seeking the security of a fixed rate.
Construction/Permanent Loans – We offer a one-time close construction loan that allows you to build your home and convert to your end loan upon completion.
Contact a Mortgage Banker today.
Tracy Hall
Hudsonville Office
NMLS #786844
616-379-0645
Lori VanderSloot
Zeeland/Holland Offices
NMLS #4447918
616-393-9423
Peg Sylvester
Jenison/Grand Rapids Offices
NMLS #441916
616-379-0604
