Your home loan is the most important purchase decision of your life.
Whether you're looking to purchase a home or save with a refinance, trust our expert team to craft the mortgage that's right for you. With affordable rates, low closing costs, and a convenient online application, it's our priority to make your mortgage experience as easy and stress-free as possible. The best place to start is our online mortgage center. There you can check rates, explore calculators, or submit your application. After you've submitted your application, a Mortgage Loan Officer will be in touch to set your first appointment.
Apply Online / Rates / Calculators
Still have questions?
Prior to your first meeting with your Mortgage Loan Officer, please collect the documentation we'll need to make the most of your appointment and move your application along as quickly as possible:
Documentation for Purchase Checklist documentation for refinance checklist
First time home buyer?
The home buying and mortgage process can be intimidating your first time through. That's why we created a handy dandy guide to help you sort through the overload.
First Time Home buyer Guide Mortgage Process Do's and Don'ts
Mortgage Loan Options:
- Conventional Fannie Mae
- Conventional Portfolio
- Rural Development
- Convenient payment options
Pro Tip:
Want to save on interest?
While the smaller payment that comes with a longer term is attractive, a shorter term can save you big over the life of your loan. Choose the shortest term that fits the payment you can afford. You'll save with a rate typically lower than longer terms and by paying over a shorter period of time. Even 5 years can make a big difference.
James Wood
Mortgage Loan Officer
269.382.7893
NMLS# 1586930
James has been in the banking industry since 2016, with experience in member service, lending, and management. He is a recipient of the Kalsee Challenge Coin and a 2020 Paul Matyas Award nominee, and founded Kalsee's Continuous Improvement Committee. James dedicates himself to providing world class member service, and uses his excellent problem-solving skills to help members achieve their goals. “Building relationships with members and ultimately earning their trust is my personal mission. Helping them achieve their goal, whether it be buying their first home or buying their dream home, I strive to make it an easy and fun process,” he says.
"My experience with James Wood was exceptional. He is professional, thorough and exceeded my expectations. He was committed to answering all of my questions in a timely fashion. He is top notch! Kalsee is fortunate to have James on their team." - Kalsee member, October 2022
Learn more about home buying:
More to Explore
The legal age to apply for and obtain credit is 18 years of age.
How Do I...
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