Home Mortgages

Today's Rates

30 Year Fixed Rate Conforming
 Rate  APR  Points
 3.875%  3.934%  0.000%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.829%  0.000%
15 Year Fixed Rate Conventional
 Rate  APR  Points
 3.500%  3.603%  0.000%

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Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now!
  2. A ChoiceOne lender will reach out to learn more about you.
  3. Get Approved for your dream home!

Need Help?

Call the ChoiceOne Bank 24/7
Mortgage Hotline: 616.887.3281
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What You Will Need

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.