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Compare Home Equity Loan Specialists in Bay City, MI

Directory of home equity loan specialists in Bay City, Michigan. Verify credentials with the state state mortgage licensing authority before hiring.

9 agents listed
Updated June 2026
Bay City, MI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Michigan before hiring.
Showing 9 home equity loan specialists in Bay City, MI Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Total Home Lending - Bay City
1901 S Euclid Ave Suite 6, Bay City, MI 48706
(989) 671-2701 totalhomelending.com
Total Home Lending - Bay City
1901 S Euclid Ave Suite 6, Bay City, MI 48706
(989) 671-2701 totalhomelending.com
FinancialEdge Credit Union
1199 S Euclid Ave, Bay City, MI 48706
(989) 892-6088 finedgecu.org
Sunrise Family Credit Union
404 S Euclid Ave, Bay City, MI 48706
(989) 684-1730 sunrisefamilycu.org
Sheila Schmidt - Total Home Lending
1901 S Euclid Ave, Bay City, MI 48706
(989) 780-8401 totalhomelending.com
United Bay Community Credit Union
1309 N Lincoln St, Bay City, MI 48708
(989) 892-4597 ubccu.org
Heppner Team - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
(989) 928-6229 heppnerteam.com
Trevor Hahn-Guild Mortgage
401 Center Ave Suite 2, Bay City, MI 48708
(989) 284-1269
Pierpoint Mortgage Bay City, MI
4300 Wheeler Rd, Bay City, MI 48706
(989) 656-5098 pierpointmortgage.com

A home equity loan specialist in Bay City, Michigan helps homeowners access the equity in their property. Michigan law requires lenders to follow specific disclosure rules under the Michigan Consumer Protection Act. These specialists guide you through the application process and explain local property value trends in Bay County.

What Does a Home Equity Loan Specialist in Bay City Cost?

Typical costs for a home equity loan specialist in Michigan include an origination fee of 0.5 percent to 1.5 percent of the loan amount. Appraisal fees range from 300 to 600 dollars. Closing costs may total 2 to 5 percent of the loan value. These fees vary by lender and loan size. This is general information, not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a home equity loan specialist do in Bay City?
A home equity loan specialist helps you understand your borrowing options based on your homes value and your financial situation. They explain Michigan specific regulations like the 10 day right of rescission period for home equity loans. They also help you compare rates and terms from local lenders.
What are the requirements for a home equity loan in Michigan?
In Michigan, you typically need at least 20 percent equity in your home and a good credit score. Lenders will review your debt to income ratio and require a property appraisal. Michigan law also mandates that lenders provide a Truth in Lending disclosure before closing.

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