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Browse mortgage lenders serving St Joseph, Michigan. Contact information and addresses listed below.
15 agents listed
Updated May 2026
St Joseph, 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 15 mortgage lenders in St Joseph, 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.
Honor Credit Union - St. Joseph
2712 Niles Ave, St Joseph, MI 49085
2699836357
Wendi Traxler at Rate (NMLS #143394)
717 Ship St, St Joseph, MI 49085
2699329400
Flagstar Bank
2829 Niles Ave, St Joseph, MI 49085
2699836687
Joy Cluff- Mortgage Loan Advisor
2819 S State St St, St Joseph, MI 49085
2693636953
Sturgis Bank – St. Joseph Banking Center
320 Main St, St Joseph, MI 49085
2699324297
Trina Halcomb at Rate (NMLS #1105945)
717 Ship St, St Joseph, MI 49085
2699246887
Sturgis Bank – St. Joseph Banking Center
3125 Cleveland Ave, St Joseph, MI 49085
2696591487
Dave Danikowski at Rate (NMLS #1987671)
717 Ship St, St Joseph, MI 49085
6306067251
Monarch Community Bank & Lending Center
800 Ship St # 109, St Joseph, MI 49085
2692810398
Rate
717 Ship St, St Joseph, MI 49085
6162151020
Flagstar Bank Home Loan Center
2829 Niles Ave, St Joseph, MI 49085
2694227325
CMG Financial
800 Port St STE C, St Joseph, MI 49085
2693520579
Chase Mortgage
1310 Hilltop Rd, St Joseph, MI 49085
2699264784
Fifth Third Mortgage - Fern Hollingshead
2915 S State St, St Joseph, MI 49085
2694083184
John Brown - Mortgage Advisor - United Federal Credit Union
2819 S State St, St Joseph, MI 49085
2699824760
Mortgage lenders in St Joseph, Michigan help homebuyers and homeowners secure financing for residential properties. Michigan law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local lenders understand the unique housing market in Berrien County and can guide you through conventional, FHA, VA, and USDA loan options.
What Does a Mortgage Lender in St Joseph Cost?
Typical costs for a mortgage lender in Michigan include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. 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 St Joseph Michigan?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a government issued ID. Michigan lenders also require proof of homeowners insurance before closing.
How long does it take to close on a mortgage in Michigan?
A standard mortgage closing in Michigan takes 30 to 45 days from application to final closing. Delays can occur if appraisals or title searches take longer than expected.
Are there special mortgage programs for Michigan first time home buyers?
Yes, the Michigan State Housing Development Authority offers down payment assistance and low interest loans for qualified first time buyers. These programs have income limits and require a homebuyer education class.
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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.