Let us finance your dream home, vacation home or investment property.

• An adjustable rate mortgage generally offers a lower initial rate that adjusts periodically throughout the life of the loan. This variable rate is fixed for a set period of time and then adjusts up or down at the end of the fixed term.
• Choose from a number of adjustable-rate loan products.
• Starting with as little as 3-5% down.

*Restrictions may apply. Subject to credit approval.

• If you’re dreaming extra big, we offer fixed and adjustable rate options with higher-than-conventional loan limits.

*Restrictions may apply. Subject to credit approval.

• Whether you’re a new medical resident or long-time attending physician, we understand your unique home financing needs and have a program designed to fit.
• Grand River Bank offers fixed and adjustable rate options for conventional and jumbo limit physician loans.

*Restrictions may apply. Subject to credit approval.

• A Rural Development loan is a mortgage loan offered to rural property owners by the United States Department of Agriculture (USDA). It provides financing for low-to-moderate income families in rural areas.
• There is no money down for borrowers in eligible areas and you don’t have to be a first time homebuyer.
• Ask us about our fixed rate options for RD loans.

*Restrictions may apply. Subject to credit approval.

• An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA).
• You can qualify for a FHA loan with a 3.5% down payment and credit scores of 580 or higher.
• Ask us about our FHA adjustable and fixed-rate mortgage options.

*Restrictions may apply. Subject to credit approval.

• VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.
• VA loans offer up to 100% financing on the value of a home and you don’t have to be a first time home buyer.
• Ask us about our VA fixed rate options.

*Restrictions may apply. Subject to credit approval.

• A MSHDA (Michigan State Housing Development Authority) or MI Home Loan is available to first time homebuyers state-wide and repeat homebuyers in targeted areas and offers up to $7,500 in down payment assistance.
• There are 1% – 3% down payment options and low fixed rates.
• Ask us about our MSHDA fixed rate options.

*Restrictions may apply. Subject to credit approval.

• Build your dream home or vacation home. Our lending experts specialize in construction financing that offers a one-time closing, that funds the cost of the home construction and then serves as your final mortgage.
• We have competitive and unique fixed and adjustable rate options and can build your home with as little as 10% down.
• Our local underwriting and draw process make it easy for you and your builder to move quickly through the construction process.

*Restrictions may apply. Subject to credit approval.

• Grand River Bank offers residential lot and land financing for you to purchase vacant land or to build your home.

*Restrictions may apply. Subject to credit approval.

• If this is the first time you are buying a home, our experienced loan officers are here to guide and educate you through the process. They will examine your credit, help you determine what you can afford and will carefully review your financing options so you can make an informed financial decision.
• We have flexible funding options for those with limited funds for a down payment and reduced mortgage insurance premiums.

*Restrictions may apply. Subject to credit approval.

• Are you looking to lower your rate, monthly payment or get cash out of your home? Refinancing your home loan might be a good option.
• We offer a variety of programs such as conventional fixed rate and ARMs, Government Loans (VA, FHA, RD), HARP – Relief Refinances, Non-Conforming and Jumbo. Please contact a Grand River Bank Mortgage Loan Officer to discuss your specific situation.

*Restrictions may apply. Subject to credit approval.

• Bridge loans act as short-term financing on homes listed for sale. This loan is a revolving line of credit intended for borrowers who would like to take out available equity on their current home to put towards a down payment on a new home purchase.
• If you have equity in your current home and are looking to buy without moving, let Grand River Bank use the equity you currently have in your home to help you purchase or build your next home.

*Restrictions may apply. Subject to credit approval.

• Our CommunityInVestment Mortgage is a closed-end loan designed for no maximum income restrictions, as little as 3% down, and up to $2,000 off closing costs on homes located in a Low to Moderate Income Geographic Area within Kent and Ottawa counties*.
• For qualified borrowers only, program restrictions and requirements apply.
• Borrower shall occupy, establish, and use the property as principal residence.
• All loans are subject to credit review, underwriting guidelines, verification of identity, and approval.
• Property insurance is required.
• Flood insurance is required if the property is located in a FEMA Special Hazard Flood Zone.
• Please consult one of our Loan Officers for complete details.

*As determined by the Federal Financial Institutions Examination Council (FFIEC) and US Census Demographic Information.