Independent Bank

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Independent Bank

1004 W. Midland Road
Auburn, MI 48611
Phone: 989.662.4403


Independent Bank proudly offers more than 90 customizable mortgage programs:

* Conventional fixed rate loans
* Adjustable rate mortgages (ARMs)
* Federal Housing Administration (FHA) loans
* Construction and blanket loans

We offer free pre-qualification

Call or contact a loan officer at your local Independent Bank office or loan center to request a no-obligation pre-qualification to determine which houses fit within your budget. Contact a loan officer by phone: 1.800.285.3111. You can also apply for a loan online.

Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans. Real estate financing provided by Independent Mortgage Company.
HomePath Financing

Fannie Mae’s HomePath features a wide selection of Fannie Mae-owned homes, including single-family homes, condominiums and town houses located in a variety of neighborhoods. HomePath® financing provides up to 97% financing for qualified homebuyers. Independent Bank is proud to be selected by Fannie Mae to offer HomePath financing. Contact us today about special financing available for Fannie Mae HomePath properties.

HomePath is a registered trademark of Fannie Mae.
Bank-owned properties and auctions

To learn more about bank-owned properties, visit our bank-owned properties page.
Reverse mortgages

Are you looking for a way to finance your retirement? A reverse mortgage, offered at Independent Bank’s Mortgage Company might be the perfect solution. A reverse mortgage is a home loan that does not have to be paid back for as long as the borrower lives in the home. It allows a homeowner to draw cash from the equity in their home without having to move or repay the loan each month. Rather than making a payment to the lender each month, the lender pays the borrower. Reverse mortgages offer homeowners financial security by providing a cash flow to offset expenses.

For additional information on reverse mortgages select a link from a menu on the left.

To qualify for a reverse mortgage: The borrower must be at least 62 years of age and own his/her home. All liens and judgments must be paid in full.
Home Equity Line of Credit (HELOC)

A home equity loan or line of credit will allow you to borrow money, secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation and more. Interest may even be tax deductible!^

Use the Visa® Access card to withdraw money from your home equity line of credit. It’s the card that works just like a regular Visa card for purchases and ATM withdrawals. It’s a convenient and hassle-free.

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.