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Mortgage Options
MORTGAGE   
PRODUCTS
What is most important to you?
Easier
to Qualify
Loan
Flexibility
Rate
Security
Lower Equity/
Down Payment
Adjustable Rate Mortgage
Maximize your budget with our ARM products.
     
Fixed Rate Mortgage
Gives you the security of a monthly payment that doesn't change.
     
JUMBO Loan
If you are interested in learning about this product, contact your local mortgage lender. 
     
Construction Loan
If you're planning to build a new home or looking to remodel your existing home, we can help you achieve your dream.
     
Non-Warrantable Condo Loan
If you're looking to buy a "non-standard" condominium or if you are under contract to purchase a non-warrantable condominium, we have loans to meet your needs. 
     
Doctor Loan
We recognize the level of dedication physicians give every day.  Medical doctors must have a minimum of a M.D., D.O., D.D.S., D.C.or D.M.D. degree and an employment contract. Medical doctors include dentists, podiatrists, ophthalmologists, chiropractors and veterinarians. 
   
FHA Loan 
Purchase a home or turn your home into a dream home with the FHA loan.  
VA Loan 
We appreciate the men and women that serve and have served our county. Eligible servicemembers can buy a new home with zero down or refinance their existing home.
 
Vacant Lot Loan
If you're looking to purchase vacant residential property with the dream of building your home, our Vacant Lot Loan is a great option with loan amounts up to $250,000.  Maximum of 10 Acres.
     
GRANT PROGRAMS
We are proud to participate in following Grant Programs:
     Homeownership Opportunity Program (HOP)    
     Home Possible® Neighborhood Solutions    
     Neighborhood Improvement Program (NIP)    
     Michigan State Housing Development
     Authority (MSHDA) Homeownership Programs
   
     Ohio Housing Finance Agency (OHFA)
     Homeownership Programs
   
     Ohio Housing Finance Agency (OHFA)
     Ohio Heroes Program
   

Not sure which loan is best for you? Contact us today. Together we can explore the possibilities and find the solution that meets your home financing needs.

Fixed Rate Mortgage
Conventional Fixed Rate Mortgages offer a fixed rate throughout the life of the loan. With a variety of amortization options, you can choose the period that best fits your needs.

Adjustable Rate Mortgages (ARM)
Adjustable Rate Mortgages typically carry a lower interest rate in the early stages and adjust annually after the fixed rate period expires. This may be a great option for borrowers who are looking to stay in their home for less than five years. 

VA Mortgage
We honor our county's veterans with low rates on Veterans Administration (VA) loans.  Eligible servicemembers can buy a new home with zero down or refinance their existing home with no Private Mortgage Insurance. 

Doctor Loan Mortgage
We offer a full line of mortgage options specifically for dentists and physicians and will work with you to determine the best mortgage program for your individual needs. 

JUMBO Mortgage
If you are interested in learning more about this product, please contact your local mortgage officer. 

Construction Loan Mortgage
Are you looking to build a new home? With our Construction Permanent Loan, you can close one mortgage for both your construction loan and end financing.
During the construction phase of the loan, you will only pay interest on the monies after they have been advanced.  Full payments of principal and interest will begin after construction is complete and will be based on the same interest rate that was locked in at the beginning of the construction project. 

All home lending products are subject to loan approval. Not all loan products or grants are available in all states. Additional restrictions and limitations may apply. 

Contact Information
Todd Phillpotts
Mortgage Sales Manager
Office: (248) 429-7164
Cell: (810) 444-0211
Fax: (989) 633-0494
Email: Send Email
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Todd Phillpotts, Mortgage Sales Manager NMLS #709730
Chemical Bank
8700 North Second St, Brighton, MI  48116
Office:  (248) 429-7164
Cell:  (810) 444-0211
Fax:  (989) 633-0494
todd.phillpotts@chemicalbank.com
Copyright © 2017 Chemical Bank. All Rights Reserved.
All loans are subject to credit approval and program guidelines.
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