Mortgages
With flexible mortgage options and personalized support, M1 makes home financing simple. Whether you're purchasing, refinancing, or exploring your options, we’re here.
Why Choose M1?
- Low Rates, Local Service
Enjoy competitive mortgage rates and low closing costs, backed by a team that lives and works in your community. We’re not just lenders—we’re your neighbors. - Fast Pre-Approvals
With our streamlined technology and experienced loan officers, you’ll get pre-approved quickly so you can shop with confidence. - Tailored Loan Programs
M1 offers a wide range of mortgage solutions tailored to your needs, including options for first-time buyers, veterans, rural properties, new construction, and more. Whether you're purchasing, refinancing, or building, we have the right loan to help you move forward with confidence. - M1 Member Benefits
As an M1 member, you’ll enjoy exclusive insurance savings through TruStage and more.
Meet JoAnn, Our Mortgage Expert
JoAnn has over 20 years of experience making dream homes a reality. Her experience spans many areas, but helping members navigate the home-buying process is her specialty! JoAnn knows moving into your new home is a priority — she works hard to make sure your mortgage is processed quickly — Done in 21 is her goal!
Contact JoAnn Pugh, M1 Mortgage Loan Officer: (616) 481-2654
NMLS#168895
Properties We Are Able To Finance
- Residential Homes
- Condos
- Vacation Homes
- Investment Homes
Loan Programs Available But Not Limited To:
- Construction
- Conventional (as low as 3% down)
- FHA
- MSHDA
- Rural Development
- VA
- Vacant Land
.
What We Offer:
- Cutting edge technology keeping both realtors and borrowers in the loop!
- Competitive rates and closing costs
- Loan products to fit almost any borrowers needs
- Knowledgeable and seasoned Loan Officers & support staff
- Fast and easy pre-approval process
Mortgage loan services provided by Michigan One Community Credit Union (NMLS# 665278) and Member Mortgage Services (NMLS# 131062).
NMLS Registry
| Name | NMLS | Location | Contact |
|---|---|---|---|
| JoAnn Pugh | 168895 | Ionia, Carson City, Greenville & Alma | 616-481-2654 |
| Marissa Reeves | 2527951 | Alma Office | 989-462-0474 |
| Miranda McLane | 2173720 | Alma Office | 989-462-0474 |
| Steven Lowell | 1590982 | Alma Office | 989-462-0474 |
| Christine Kohn | 712689 | Carson City Office | 989-584-3900 |
| Megan Keck | 2529437 | Carson City Office | 989-584-3900 |
| Amanda DooLittle | 2626256 | Carson City Office | 989-584-3900 |
| Ashley Brownell | 1591395 | Greenville West Office | 616-225-2200 |
| Casey Corey | 2527711 | Greenville West Office | 616-225-2200 |
| Kendra Balcome | 1802622 | Greenville West Office | 616-225-2200 |
| Alisha Van Horn | 1318679 | Ionia Main Office | 616-527-3900 |
| Ann Stebbins | 712685 | Ionia Main Office | 616-527-3900 |
| Austin Crissman | 2527746 | Ionia Main Office | 616-527-3900 |
| Corey Haskins | 2026637 | Ionia Main Office | 616-527-3900 |
| Dawn Ketchum | 1152673 | Ionia Main Office | 616-527-3900 |
| Hailie Patterson | 2532749 | Ionia Main Office | 616-527-3900 |
| Jackie Thebo | 697061 | Ionia Main Office | 616-527-3900 |
| Melissa Blight | 1918273 | Ionia Main Office | 616-527-3900 |
| Michelle Nelson | 712687 | Ionia Main Office | 616-527-3900 |
| Theresa Platte | 712684 | Ionia Main Office | 616-527-3900 |
| Holly Smith | 1688187 | South Ionia Office | 616-523-3900 |
| Dalton Badder | 2624652 | South Ionia Office | 616-523-3900 |
