About Lake State Mortgage

Lake State Mortgage is a locally rooted mortgage company headquartered in Grand Rapids, Michigan. We help families across the Great Lakes State and beyond secure the right home loan — at the right rate — through personalized guidance and a wide variety of traditional and niche financing programs.

With decades of combined experience navigating the Michigan real estate market, our team has developed a deep understanding of the intricacies involved in securing competitive financing for our clients. From first-time home buyers in Grand Rapids and West Michigan to investors scaling rental portfolios statewide, our local expertise ensures that every client receives personalized guidance tailored to their specific financial goals.

Our philosophy is simple: getting a mortgage should be straightforward, transparent, and stress-free. Whether you're planning to buy your first home, upgrade, invest, or refinance, our team is committed to making the journey seamless.

As an independent mortgage company, we take pride in educating our clients and providing them with insider strategies to choose the loan program best suited to their needs. We shop dozens of wholesale lenders on your behalf to deliver lower rates and better loan terms than traditional retail banks.

Loan Program Specialties

• Conventional Home Financing
• FHA Loans (Flexible Credit)
• VA Home Loans (0% Down)
• USDA Rural Housing Loans
• Jumbo & Luxury Home Financing
• Bank Statement Loans (Self-Employed)
• DSCR Investment Property Loans
• MSHDA Down Payment Assistance
• Refinancing & Rate Reductions
• Home Equity Cash-Out Loans

Decades of Experience

A seasoned team with proven success in Michigan mortgage lending and real estate.

Local Michigan Lender

Deep understanding of Grand Rapids, West Michigan, and statewide housing markets.

Competitive Rates

We shop multiple wholesale lenders to secure lower rates than traditional banks.

4.8★ Client Rating

Over 200+ verified 5-star reviews praising our communication and speed.

Fast Approvals

Streamlined processing and underwriting to close your loan quickly.

Personalized Advice

Honest recommendations based on what's best for you and your long-term wealth.