Ready to Buy a Home?
Taking the first step towards your new home is exciting! Choose the option below that works best for you to get started with Lake State Mortgage — serving Michigan and 15 other states.
Choose Where To Start
Buying a Home? We've Got You Covered.
Buying a home in Grand Rapids, across Michigan, or in any of the 16 states we're licensed in is a major step. Lake State Mortgage specializes in guiding buyers through mortgage options with confidence.
- Low down payment options (as low as 3% - 3.5%)
- VA loans with 0% down for Military & Veterans
- USDA loans for eligible suburban & rural areas
- MSHDA down payment assistance up to $10,000
- Clear, transparent communication every step of the way
Why Work With Lake State Mortgage?
At Lake State Mortgage, we understand that buying a home is a major decision. As a local lender with decades of experience serving Michigan and 15 other states, our team provides personalized guidance tailored to your goals.
- Mortgage Experts: We shop multiple lenders to find you lower rates.
- Local Grand Rapids & Multi-State Knowledge: Decades of experience serving our communities.
- 5★ Service: Over 200 verified reviews from satisfied clients.
- Fast Pre-Approvals: Streamlined processing to get your loan closed quickly.
What Our Clients Say
"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
Home Buyer FAQs
Common questions about buying a home.
Let's Make It Happen
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