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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.

Whether you are ready to apply now 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


Apply for a mortgage


Want to learn more about the mortgage process? Download Your Home Loan Toolkit today.


Contact a Mortgage Lender


Image of Kathy Wurmlinger

Kathleen M. Wurmlinger
VP, Mortgage Manager
NMLS # 481049
Phone: (810)398-5126
Fax: (810) 679-2510
Email Kathy

Christi A. Agostino-Erd
AVP, Mortgage Loan Officer

NMLS # 528508
Phone: (810) 398-5139
Fax: (810) 966-3437
Email Chris


Types of Mortgages

Conventional Fixed-Rate Mortgages

A 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)

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 7/1 ARM is fixed at the initial rate for the first seven 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


Eastern Michigan Bank NMLS # 513935


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