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First Community Bank NMLS Institution ID 514387

Contact a First Community Bank Mortgage Loan Officer today to learn about your best Mortgage Options:

Ann D. Payne Harbor Springs Office 231-526-2114 NMLS ID 528123
Sheryl L. Seelye Petoskey Office 231-348-1800 NMLS ID 685278
Thomas A. McKinley Cheboygan Office 231-627-7700 NMLS ID 1555347


For new mortgages or refinancing your existing mortgage, we're the best!


Residential Mortgage Products

Why shop around? We have the solutions for your mortgage financing. Purchasing, refinancing, new construction or lot loan financing, we're here to help you with a product to meet your needs.

  • Fixed Rate Mortgages
  • Fixed Rate Jumbo Mortgages
  • Fixed Rate Financing for 1-4 Family Investment Properties
  • Construction Financing
  • Vacant Land Financing

For current rate and term information or any other questions regarding real estate financing, please contact one of our Mortgage Centers at the below office and number.

  • Harbor Springs (231) 526-2114
  • Cheboygan (231) 627-7700
  • Grand Rapids (616) 454-8447
  • Petoskey (231) 348-1800
  • Traverse City (231) 946-2400


How to Apply for a Mortgage   

Apply for a mortgage through First Community Bank today!   It’s as easy as visiting any full service Bank office or by calling toll free (866) 526-2114 to setup an appointment with a mortgage lending specialist.  Your loan officer will require the below information after you intend to proceed, but in order to keep the process moving, you can voluntarily bring in the following information at application:

Mortgage Application:

  • Prior 2 years federal tax returns with attachments (W-2's, 1099's, K-1's)
  • Pay stubs covering 30 days, all pages.
  • Most recent 2 months bank & investment statements.
  • Copy of purchase agreement or sales contract.
  • Construction Loan – signed construction contract with cost breakdown and builder plans.

Additional information may be requested:

  • 2 years business tax returns with all schedules.
  • Copy of divorce decree or separation agreement.
  • Renters – Landlord's name and address.
  • Gift letter if down payment is a gift.

NOTE: This checklist is for your general information only. Your lender may require additional information based on your particular set of circumstances.

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