Northpointe Bank has developed a national reputation for delivering fantastic service, and offering tremendous value to our clients. This means more than simply delivering the low rates and fees we are known for, but also a focus on providing an exceptional client experience. Unlike many of our competitors at Northpointe you work with the same an experienced loan officer from application through closing.
We are committed to letting the numbers speak for themselves, and we offer our clients solutions without a sales pitch.
I originally chose Northpointe because they were offering the lowest 30-year fixed rate that I could find online. I've refinanced about 10 times over the years, and this was one of the best experiences I've had. They were very communicative, and "went to bat" for me with the underwriters to get the loan approved. It was nice to work with a smaller bank, as the interactions seemed more personable than I've had with some of the other re-fi's. Matt Howard was excellent. I would highly recommend talking to the people at Northpointe if you're looking for a loan.
From start to closing our VA refinance was unbelievably easy with no snags or difficulties, thanks to Kim's efficient, professional and pleasant manner. Another well known, supposedly #1 lender would not even quote rates to me without running credit reports. Would highly recommend Northpointe Bank and Kim to anyone seeking a purchase or refi loan.
Matt swiftly processed our refi request and provided communication to me on a regular basis. Great Rate! I compared NorthPointe to 2 other lenders (including one that I used for my initial home purchase), and Matt's rate could not be matched. I highly recommend Matt for a no-hassle refi!
Kim and Northpointe were really great to work with and made the experience really seamless and easy. She was very responsive to questions and outlined every step well. I've had a couple of refis in the past and this was the easiest by far. I did quite a bit of shopping around - both locally and on the Internet and Northpointe had the best terms by far! Their fees were absolutely minimal and reasonable. When I compared their fees to my local credit union I had to laugh out loud at the difference as my credit union was ridiculous in comparison. It's a real bank with a customer-focused staff and not some huge impersonal machine. If I refi again I would definitely look to them first. Was overall an excellent experience and I would recommend them to anyone who asked me.
Northpointe Bank had the lowest rate and origination fees for my refinance at the time, much lower than larger lenders. Matt Howard contacted me shortly after I solicited more information and we had a rate locked in very quickly. The process of uploading documents securely was painless and we were able to address everything efficiently over email and phone. I definitely thought he was looking out for my interest throughout the process as well. Matt listened to what I was looking for and also made recommendations based on my situation instead of pushing a loan on me, and I couldn't be more pleased with the outcome. I am very glad and fortunate I found Northpointe through my search process. They will be the first call in the future for any mortgage needs.
Northpointe Bank was started in 1999 and is headquartered in Grand Rapids, Mich. The company’s website features a preliminary pre-qualification tool that gives users a better idea of whether they will ultimately qualify for a loan.
Northpointe Bank is licensed in:
Northpointe Bank issues loans for the following types of properties:
Northpointe Bank offers the following mortgage products:
How to apply: Buyers can get pre-qualified via an online form, over the phone or in person. Upon pre-qualification, a Northpointe representative will establish contact through phone, text message or email message.
Disclosure process: There is a digital dashboard through which borrowers and the lender can communicate and exchange documentation. Borrowers receive regular updates and can digitally sign documents, but they also have the option of traditional paper documentation.
Closing: Borrowers can select the time and place that works best for their schedules.
Special programs. Northpointe Bank has a variety of proprietary loan programs tailored to borrowers with specific needs, including first-time homebuyers, military veterans and members of specific professions, as well as credit-challenged borrowers or those who have experienced financial hardship. In addition, the bank:
Editorial Note: Parts of this article were reviewed by a lender to ensure accuracy prior to publication. The overall conclusions, recommendations and opinions are the author’s alone.
The information in this article is accurate as of the date of publishing.