Mortgage FAQs

There are many ways you can apply for a mortgage with ChoiceOne Bank. You can: 

• Book an appointment with a mortgage officer 
• Apply online
• Call us at 888.775.6687 and ask for a mortgage lender 
• You can also visit one of our convenient locations and tell them that you’re looking to get a mortgage. 
• Interested in learning more? Check out our helpful  blog post!

To get a pre-approval the first step is a mortgage application. The application can be done via our mobile app or over the phone/in person with a mortgage originator.  

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We would need a mortgage application along with some supporting documents, such as bank statements, paystubs, W-2’s or possibly tax returns

Mortgage points is an upfront fee that is charged to you to lower your interest rate on your mortgage. 

Interest rate is the rate that is charged to the principal balance. APR will also include any fees that are charged to you. 

Your home loan rate is determined by credit score, loan to value, property type, and mortgage type.