Young couple reviewing mortgage documents

Mortgage Loan Process




Step 1

Apply online, over the phone or in person.

 




Step 2

Meet your loan officer to discuss your application information and select the mortgage product best for you. 

1 day




Step 3

You provide the required loan documents and sign initial disclosures. 

3-5 days




Step 4

Macatawa Bank orders the appraisal and begins the underwriting process. 

12-14 days




Step 5

We review approval requirements together.* 

1-3 days




Step 6

Macatawa Bank approves the loan and schedules closing.*

7-10 days




Step 7

Macatawa Bank mails closing disclosures.** 

2-3 days




Step 8

Review closing disclosures for a minimum of 3 business days.**

3 days




Step 9

Sign closing documents. 

1-3 days







Process usually takes
30-40 business days.


Get started online

Apply or get pre-qualified for any of our Mortgage options by clicking the buttons below.

Apply now for a mortgage

Get prequalified for a mortgage


Disclosures and borrower info

Macatawa Bank's primary lending area is West Michigan.  Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
  • 9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
  • 9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.


Have questions?

Call us at (877) 820-2265 to schedule an appointment with a Mortgage Loan Officer or fill out the contact form below and we will have one of our Loan Officers reach out to answer any questions you have.

Find a Lender


Get today's rates




*All loans are subject to credit approval. Delay in providing documentation to the bank will result in delay of approval.
**Required by federal law.
Disclosures and borrower information
Macatawa Bank's primary lending area is West Michigan. Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.


All Home Loan Options


Fixed Rate Mortgage


Adjustable Rate Mortgages (ARM)


Construction Loans

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
* = Required field.


Preferred form of contact*

Recaptcha*