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Browse mortgage lenders serving Bay City, Michigan. Contact information and addresses listed below.
16 agents listed
Updated May 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 Michigan before hiring.
Showing 16 mortgage lenders 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
9896712701
FinancialEdge Credit Union
1199 S Euclid Ave, Bay City, MI 48706
9898926088
Sheila Schmidt - Total Home Lending
1901 S Euclid Ave, Bay City, MI 48706
9897808401
United Bay Community Credit Union
1309 N Lincoln St, Bay City, MI 48708
9898924597
Heppner Team - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
9899286229
Top Flite Financial Inc
4773 2 Mile Rd, Bay City, MI 48706
9894503901
Trevor Hahn-Guild Mortgage
401 Center Ave Suite 2, Bay City, MI 48708
9892841269
Pierpoint Mortgage Bay City, MI
4300 Wheeler Rd, Bay City, MI 48706
9896565098
Guild Mortgage - Justin Holyszko
201 6th St Unit 207, Bay City, MI 48708
9892450373
Amanda Collin - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
9894292043
Gold Pine Mortgage
507 N Johnson St, Bay City, MI 48708
9892834653
Hantz Financial Services, Inc. - Bay City, Michigan
115 First St, Bay City, MI 48708
9896849813
PNC Mortgage
1111 N Euclid Ave, Bay City, MI 48706
9898949356
Bay City - Jason Dale Ball
1405 N Dean St, Bay City, MI 48706
6087122653
Independent Mortgage Co
800 Washington Ave, Bay City, MI 48708
9896716000
PNC Mortgage
610 Lafayette Ave, Bay City, MI 48708
9898949344
Bay City, Michigan offers a variety of mortgage lenders to help you purchase a home or refinance an existing loan. Michigan law requires lenders to be licensed through the Department of Insurance and Financial Services. Local lenders understand the Bay City housing market and can guide you through the process.
What Does a Mortgage Lender in Bay City Cost?
Typical costs for a mortgage in Michigan include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $1,000 to $2,500. Closing costs generally range from 2% to 5% of the home price. These amounts vary by lender and loan type. 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 documents do I need to apply for a mortgage in Bay City?
You typically need recent pay stubs, tax returns, bank statements, and photo identification. Michigan lenders also require proof of homeowners insurance. The exact list depends on your loan type and lender.
How long does the mortgage process take in Michigan?
The process usually takes 30 to 45 days from application to closing. Michigan law requires a three-day right of rescission for refinances. Delays can occur if appraisal or title work takes longer.
Are there first-time home buyer programs in Bay City?
Yes, the Michigan State Housing Development Authority offers down payment assistance and low-interest loans for first-time buyers. Bay County also has local programs. Eligibility depends on income and purchase price limits.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Michigan.