YOUR TRUSTED
MORTGAGE PARTNER
Personalized mortgage strategies, a wide variety of traditional and niche loan programs, and local service that fits your individual goals rather than a rigid bank box. Based in Grand Rapids, serving homebuyers across 16 states.
Choose Where To Start
Fast online application, 60-second quiz, or call our 24/7 hotline.
5★
Over 200 5 Star Reviews
24/7
AI Pre-Qual Hotline
16
States Licensed
100%
Financing Options Available
Find Your Perfect Loan Match
Answer a few quick questions and we'll show you which programs fit your needs best.
What is your primary goal?
Featured Loan Programs
From first-time buyers utilizing Michigan MSHDA assistance to investors expanding rental portfolios with DSCR loans, we provide customized strategies for every stage.
Conventional Loans
Competitive rates with as little as 3% down for primary residences. Ideal for borrowers with good credit seeking flexible terms and removable PMI.
Explore ConventionalMSHDA & Down Payment Assistance
Statewide Michigan down payment assistance programs offering up to $10,000 to cover your down payment and closing costs.
Check MSHDA EligibilityFHA Financing (3.5% Down)
Flexible credit requirements, low down payment, and competitive rates making homeownership accessible for more Michigan families.
Explore FHA LoansVA Loans & 100% Zero-Down
0% down payment for eligible active-duty military, veterans, and USDA rural housing borrowers. No monthly mortgage insurance on VA loans.
Explore VA & Zero-DownDSCR / Investor Cash Flow
Qualify based on the rental property's cash flow, not personal income, W-2s, or tax returns. Build or scale your rental portfolio with ease.
Explore DSCR LoansBank Statement & Non-QM
Self-employed business owners, 1099 contractors, and unique borrowers qualify using 12–24 months of bank deposits without complex tax returns.
Explore Bank StatementMeet Our Loan Officers
Work directly with a local professional who knows your real estate market and gives your loan personalized attention.
Why Work With Lake State Mortgage?
We believe in simplifying the mortgage process, educating our clients, and delivering tailored loan strategies rather than a one-size-fits-all box.
Personalized Mortgage Guidance
We analyze your overall financial picture and build a mortgage plan around your real life, not an automated algorithm.
Wide Variety of Loan Options
Conventional, FHA, VA, USDA, MSHDA, DSCR, bank statement, manufactured home, and non-QM portfolio financing under one roof.
24/7 AI Pre-Qual Hotline
Our automated hotline at (616) 727-7070 answers borrower questions day and night with personal loan officer follow-through.
Fast Online Pre-Approvals
Quick, modern digital applications that provide verified pre-approvals to strengthen your purchase offer with sellers.
Over 200 5★ Verified Reviews
Local Michigan homeowners rave about our communication, transparency, and problem-solving tenacity across Google, Zillow, and Experience.com.
Local & Responsive Service
Based in Grand Rapids on Northland Dr NE, our 13 loan officers live, work, and lend right here in our communities.
Realtor Partner Program & Co-Branded 24/7 AI Hotline
Are you a real estate agent? Co-brand our 24/7 pre-qual hotline to capture and pre-qualify buyer leads instantly from open houses and property flyers.
Mortgage Payment Calculator
Estimate your monthly principal, interest, taxes, and insurance payments to find the purchase price that fits your budget.
Mortgage Calculator
Estimate your complete monthly mortgage payments
The Loan Process
Your step-by-step guide to homeownership
1. Pre-Approval
We'll review your financial situation to determine exactly how much you can afford and provide a pre-approval letter.
2. House Hunting
Partner with your real estate agent to find the perfect home that fits your budget and needs.
3. Loan Application
Once your offer is accepted, we'll collect the necessary documents and officially start your loan application.
4. Processing & Underwriting
Our team verifies your information, orders the appraisal, and ensures everything meets the loan guidelines.
5. Clear to Close
The underwriter gives the final approval! We'll send you the final numbers so you know exactly what to bring to closing.
6. Closing Day
Sign the final paperwork, get your keys, and celebrate your new home!
Verified 5-Star Reviews
Over 200 5★ Reviews From Homebuyers and Homeowners Like You!
"Kevin Wildman of Lake State Mortgage and his assistant, Christina, are like a godsend!!!"
Kevin Wildman of Lake State Mortgage and his assistant, Christina, are like a godsend!!! From the very first day I spoke to Kevin and all the way through the process, he was very kind, humble, patient, professional, attentive... Shall I go on? They were with us every step of the way!
Robert Shipley
Zeeland, MI
"Very Customer Focused"
Kevin and his team were prompt, friendly, and very available, even off hours. His team members were extremely helpful, and helped us complete all documentation easily and quickly. They also answered questions outside their area to help us with closing.
Aaron R.
Spring Lake, MI
"Amazing Service"
Lake State Mortgage provided excellent service. Every member of the staff was courteous, thorough, and quick to assist us with every question or issue. They even helped us find an agent to provide a great home insurance premium. We closed with a VA loan in four weeks!
April Norcross
Grand Rapids, MI
"Investment Home - Refi (AWESOME LENDER!)"
We found Kevin and learned about our various options with refinancing the home in order to re-invest in another property. Kevin was incredibly helpful, resourceful and guided us through every step of the process. We are definitely using him for all our mortgage needs in the future!
Jo Gamrot
Muskegon, MI
"Purchase on a new home - Record time closing!"
Kevin and his team are amazing! They were efficient, and were able to close my mortgage for me in record time. I was with a different lender at first that gave misleading information and expectations that were never met. So I switched my mortgage to Kevin's office and it was smooth sailing!
L. Decker
Indian River, MI
"Seamless MSHDA Down Payment Assistance"
Lake State Mortgage helped us secure $10,000 in MSHDA down payment assistance as first-time buyers in Grand Rapids! Kevin Wildman and his team walked us through every requirement without making it feel overwhelming.
Michael & Sarah K.
Grand Rapids, MI
Frequently Asked Mortgage Questions
Clear answers to common questions about home loans in Grand Rapids and Michigan.
Lake State Mortgage is a Grand Rapids, Michigan mortgage broker offering Conventional, FHA, VA, USDA, MSHDA down payment assistance, DSCR investor, bank statement, and jumbo loans. Borrowers can get pre-approved online in minutes, call the 24/7 AI Pre-Qual Hotline at (616) 727-7070, or reach the Grand Rapids office at (616) 805-5807. Lake State Mortgage is licensed in Michigan and 15 additional states (Company NMLS #130562).
Have a question not listed here?
Call our 24/7 AI Pre-Qual Hotline or reach our Grand Rapids team directly.
Lake State Mortgage
Conveniently located on Northland Dr NE in Grand Rapids. Stop by for an in-person consultation or give our team a call.
Ready to Get Started?
Choose from our easy ways to start your mortgage journey with Lake State Mortgage.
Get Pre-Approved
Instant digital application via our secure online portal.
Apply Online Now