Northpointe Bank has developed a national reputation for delivering fantastic service, and offering tremendous value to our clients. This means more than simply delivering the low rates and fees we are known for, but also a focus on providing an exceptional client experience. Unlike many of our competitors at Northpointe you work with the same an experienced loan officer from application through closing.
We are committed to letting the numbers speak for themselves, and we offer our clients solutions without a sales pitch.
Hi, as first time homeowners going through refinancing amid a pandemic, we were confused and nervous on the process. We refinanced through Northpointe bank and Kimberly Gierescher is our loan officer. We are SO glad she was assigned to us as we had so many questions. Kimberly was amazing. She took time with both my husband and I and I know we asked the same questions a few times. There were technical errors too which Kimberly assigned and handled like a pro. She was SO responsive and that is exactly what you want in a loan officer. We have no idea how she was able to communicate so effectively and so quickly with a 6 hour time difference. We know she was extremely busy yet she made us feel like her only client. It was unreal. She reworked numbers and was on top of rates, and dates, it was so helpful. Northpointe Banks online interface and app is also outstanding and made it easy to communicate with piles of paperwork very effectively. Seriously, by the end, we were shocked how streamlined the process was and it was all because of Kimberly. We absolutely recommend her and don’t hesitate with going with Northpointe Bank, their rates and service is outstanding! Thank you Northpointe and Kimberly for being so awesome!!
I was a bit skeptical to use Northpointe because the rates seemed too good to be true compared to other banks I was shopping around with at the time (but reasonable given what I expected the rates to be). However, I was very happy at the end. My main criteria was low rate, reasonable fees, and non-dismissive bankers who would respond within 2-3 business days. For context, I've bought two homes and this was my first refinance so I didn't have too many questions. The closing fees came in very close to the initial disclosure. My loan officer, Matt Howard, was very responsive to my questions and actually won the refinance from another international bank's refinance that was a week away from closing because of that responsiveness (and because the rates were so much lower). In particular, Northpointe didn't try to do any bait and switch on fees and I ended up using the Northpointe affiliated title, settlement, and escrow companies as their fees were lower than the independent ones I looked that. I also did not need an appraisal which helped speed the process and reduce fees. The other bank was going to charge me $500 for appraisal on my loan I estimated was already at a 60 LTV.
Overall, I highly recommend Northpointe and did recommend them to a few of my friends refinancing at the same time.
This is my second mortgage with Kimberly and Northpointe Bank, and once again they had better prices than anyone locally and many other online sources. They are clear about all fees upfront, and both loans closed at what they told me (or lower in this 2nd round.) If it had not been a great experience the first time, I certainly would not have come back. My first mortgage was complicated by several unexpected paperwork and legal hassles. Kimberly worked hard to make sure everything went through as quickly as possible to avoid the increasing mortgage rates that occur when you do not close within the standard underwriting period. We made it, and I got an excellent rate for a 30-year loan. One of my concerns was that I didn't want to go with a lender that would transfer the mortgage to someone else. I'd had the nightmare mortgage company, and I did not want to go back. Kimberly was honest about that informing me that there were no guarantees, but it was not the bank's policy to write and resale. I checked with a few other trusted sources, and no bank can honestly give you an iron-clad guarantee. As an institution, Northpointe's transfer rate was on the low end. Kimberly gave me several rate options, was willing to explain them all thoroughly but did not make the slimy high-pressure sale. When better rates became available, she even emailed me to alert me to this new round of historic low rates. That has NEVER happened to me with six previous mortgages. I did check to make sure no one reputable would beat that rate. I knew I'd be in good hands otherwise, and I was. I'm still with the same mortgage lender but with a lower rate. Sweet!
I financed with NP and Kim in May of 2019 and then refinanced in May of 2020 after interest rates dropped. Northepointe always seems to have very competitive rates and Kim makes the whole process very easy. I will continue to recommend her to my friends and family.
This is the 3rd time we have Refinaced with Kimberly Gierescher and Northpointe Bank as the rates have fallen over 7 years. I had chosen Northpointe originally since they gave us a quote online without having to speak with an agent. We communicated by email and the process was as seamless as it was the other two times. I have absolute confidence in Kimberly and Northpointe. The estimates were accurate and she always answers our questions which are not many since she gives us very clear instructions. I have recommended her to family and would be pleased to work with her again.
Northpointe Bank was started in 1999 and is headquartered in Grand Rapids, Mich. The company’s website features a preliminary pre-qualification tool that gives users a better idea of whether they will ultimately qualify for a loan.
Northpointe Bank is licensed in:
Northpointe Bank issues loans for the following types of properties:
Northpointe Bank offers the following mortgage products:
How to apply: Buyers can get pre-qualified via an online form, over the phone or in person. Upon pre-qualification, a Northpointe representative will establish contact through phone, text message or email message.
Disclosure process: There is a digital dashboard through which borrowers and the lender can communicate and exchange documentation. Borrowers receive regular updates and can digitally sign documents, but they also have the option of traditional paper documentation.
Closing: Borrowers can select the time and place that works best for their schedules.
Special programs. Northpointe Bank has a variety of proprietary loan programs tailored to borrowers with specific needs, including first-time homebuyers, military veterans and members of specific professions, as well as credit-challenged borrowers or those who have experienced financial hardship. In addition, the bank:
Editorial Note: Parts of this article were reviewed by a lender to ensure accuracy prior to publication. The overall conclusions, recommendations and opinions are the author’s alone.
The information in this article is accurate as of the date of publishing.