Chemical Bank Mortgage Loan Officers are ready to help you achieve your home ownership goals. We offer a variety of mortgage options from first-time buyer programs to construction loans, and more.

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Mortgages come in all shapes and sizes. Understanding the benefits of each option can be a complex and frustrating process.

At Chemical Bank, we want to make your home buying experience a good one. Our knowledgeable and friendly staff make buying, building or refinancing a home a lot less intimidating. Let us help select the mortgage that is best for you.

Some of the mortgage options we offer include:

Looking for a little extra support with closing costs? The new Chemical Bank closing cost assistance program is here to help. Learn more about the Heart and Home Program.

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 typically carry a lower interest rate in the early stages and adjust annually after the fixed rate period expires. This is a great option for borrowers who are looking to have a lower monthly payment initially, desire to more aggressively reduce their principal balance with extra principal payments, or who plan to stay in their home for less than five years.

We offer products to help first time homebuyers with the education, guidance, and program options to purchase their first home. Products include VA, FHA, MSHDA, Rural Development, local grants, and Mortgage Credit Certificates.

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. You only pay interest on the monies after they have been advanced and you lock in on an interest rate at the beginning of the construction project.
Learn more about our construction loans.

Rural Development is a federally insured loan designed to assist people buying homes in rural areas. With 100% financing available, easy qualification and fixed rates, your dream of homeownership can become a reality.

With a Veterans Affairs (VA) loan, eligible service members can buy a new home with zero down or refinance their existing home.

Local physicians, dentists, chiropractors and veterinarians will enjoy the benefit of 100% financing with no Private Mortgage Insurance, an unsecured line of credit, and excellent financial planning from a team of experts. Doctor clients may also take advantage of our Jumbo Loan product line.

Whether you’re looking for the perfect place to build a home or some land to call your own, Chemical Bank can help. Chemical Bank offers programs for both lots with less than 10 acres and large parcels with more land than the eye can see.

Are you considering buying a second home or vacation property? We offer rates equal to primary home financing and low down payment options to help make your dream a reality.

A Bridge or Blanket Loan is an extremely convenient way to finance a new home if you have not sold your current home, or if you need to live in your existing home during construction of your new home. It allows you to pay off your existing mortgage and gives you smaller overall interest only payments while your new home is being built.

Contact Us

For a new mortgage loan or questions on an application currently in-process, please call (855) 230-9359.

For questions about an existing loan, please call (800) 867-9757.


With our fast and free loan pre-qualification, you know how much you can borrow to buy a home before you shop. When you find the home you want, you can use your Chemical Bank pre-qualification to buy with confidence*.

*A pre-qualification is not a commitment to lend. All loans are subject to credit approval and program guidelines.