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Whether you're buying or building a new home or looking to refinance the one you have, Eastern Michigan Bank has a variety of mortgage options to meet your needs. We offer competitive rates and timely turn-around. Our mortgage lenders will take the time to discuss your needs and find the mortgage that best fits those needs as well as your budget.

Summer Mortgage Special!

Now through August 31, 2017, when you apply for a mortgage loan, we’ll waive the appraisal fee (A $400 value). All loans are subject to credit approval and there are other costs and restrictions. You can apply online or contact one of our mortgage lenders for details. 

Meet Our Team!

Mortgage Manager Kathy Wurmlinger

Kathy Wurmlinger, VP, Mortgage Manager
NMLS# 481049
66 N. Howard Ave
Croswell, MI 48422
810.398.5126
email Kathy


Mortgage Officer Christi Agostino-ErdChristi Agostino-Erd, AVP, Mortgage Loan Officer
NMLS# 528508
3061 Krafft Rd
Fort Gratiot, MI 48059
810.966.2281
email Christi


Whether you are ready to apply or would just like more information, please give us a call at 1.800.397.2504 or contact us by email. You can also request a quote or apply for a mortgage online


Your home loan toolkit


Conventional Fixed-Rate Mortgages

As the name suggests, our Fixed-Rate Mortgage has a rate that remains the same for the duration of the loan.

  • Available in 15-, 20- or 30-year terms
  • Eligible properties include single family primary residences, owner occupied second homes and modular homes
  • Minimum loan amount: $10,000
  • Maximum loan amount: $424,100

How much house can I afford?
Request a loan quote
Apply for a loan now

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) can be a good fit for short term home ownership.

How Adjustable Rate Mortgages Work
Adjustable Rate Mortgages or ARMs are fixed for a specific period then adjust at regular intervals over the remainder of the loan term. For example, a 5.5/1 ARM is fixed at the initial rate for the first 5.5 years with the rate adjusting annually thereafter. Our rates adjust a maximum of two points per year with a cap of five points in total over the life of the loan.

  • Available as 5.5/1, 7/1 or 10/1 year ARMs with 30 year terms
  • Eligible properties include single family primary residences, owner-occupied second homes, and modular and manufactured homes
  • Minimum loan amount: $10,000

How much house can I afford?
Request a loan quote
Apply for a loan now

Construction Loan

Thinking of building your new home? Our residential construction loans can get you on your way. 

  • Must be a single family primary residences 
  • Pay interest only during the 3-12 month construction period
  • General licensed contractor required

Request a loan quote
Apply for a loan now



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