Top Rated Grand Rapids Mortgage Company

We love to serve Grand Rapids! You can regularly find us hanging out at Roots Brew Shop, Madcap, Lantern Coffee, as well as many other fine establishments!

At JPAL Mortgage, home loans are more than just a transaction – they’re the foundations for you and your family. Our highly experienced team operating in Grand Rapids offers a wide range of solutions to suit your specific needs. We are "Your Best Friend in Home Finance" which means every borrower is treated like a best friend. We make purchasing or refinancing stress-free.

Where Grand Rapids goes for mortgages and home loans!

CALL US TODAY! 616-465-5725

Or fill out our contact form below and we'll connect!

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How do I qualify for a mortgage in Grand Rapids?

The best process begins with a plan! Call or fill out our contact form above and we'll begin with a introductory conversation. Then we'll ask you to fill out an application and provide some initial documents. From there we'll pull your credit, review your financials, and craft a custom mortgage plan that fits you.

What can I afford to buy in Grand Rapids?

Another way to ask this question is, "What percentage of my income should go towards my mortgage?" There are several "rules of thumb" on this subject depending on who you ask. How much you can afford to spend on a mortgage depends on your household income, the consistency of that income, the property taxes in the area you're looking, the rate environment, your total debt picture and other factors. Ultimately, there is the mortgage you can qualify for and the mortgage you can afford - these are not always the same. We put a personal plan together to help determine the mortgage you can afford. 

If you'd like to calculate your own monthly payment estimate, here is our popular Mortgage Calculator tool.

Are there first-time homebuyers programs in Grand Rapids?

Yes! There are several first-time homebuyer options for borrowers. In fact, there are a growing number of features and home loan benefits for someone buying their first home. Each has it's own set of qualifications and nuances. We're ready to help find the best program for you.

Are there down payment assistance programs in Grand Rapids?

Yes! One of the key advantages of choosing a local mortgage broker is that we have access to many lenders. JPAL Mortgage works with multiple lenders who have fantastic down payment assistance programs for first-time homebuyers AND repeat homebuyers. 

What loan programs do you offer in Grand Rapids?

  • Conventional Loans
  • First-time homebuyer loans
  • Down Payment Assistance Loans
  • VA Loans
  • FHA Loans
  • Jumbo Loans
  • DSCR Loans
  • Investment Property Loans
  • Bank Statement Loans
  • Home Equity Loans

How do I find the best mortgage rates in Grand Rapids?

Every situation is unique and different. Mortgage rates posted online often do not line up with reality. When comparing mortgage rates from one company to the next, it's important to get a custom rate quote that fits your situation. We love to provide custom rate quotes and would love to help you compare today!

What are refinance rates in Grand Rapids?

Refinance rates tend to align very close with purchase rates. As mentioned above, every situation is unique. Often, refinance mortgage rates posted online do not line up with reality. We are leaders in refinances in Grand Rapids and trusted by leading financial advisors to help their clients get fantastic rates. 

What are current interest rates in Grand Rapids?

For current mortgage rates, please call us at 616-465-5725. We would be happy to discuss and provide a custom rate quote.

What do clients say about us in Grand Rapids?

"Jeremy helped us with the purchase of our very first home. He was extremely helpful throughout the entire process. He answered every question we had - big or small - as if it was the most important thing he could be doing in that moment. He made us feel very cared for and was extremely efficient at giving us updates along the way. Do not question your choice to work with Jeremy! We are so glad we did."



"Adam made the lending process super easy and worry free. Very responsive and willing to take the time to educate throughout the process. Incredibly quick to close as well. Highly recommend for all your mortgage needs!"


"It was a pleasure working with Ryan! He was timely and knowledgeable about the industry. Ryan makes the home buying process enjoyable!"


"JPAL is absolutely fantastic! I've worked with Jeremy on multiple mortgages and he always impresses and delivers! What Jeremy and Adam are building at JPAL is excellent for all homeowners. I very highly recommend JPAL!!"


"Travis Hunt is the best mortgage professional I've worked with! He is knowledgeable, has great communication throughout the process and always puts the client's needs first! I'd recommend Travis Hunt and JPAL to anyone!"