Joni Manchester

Sr Loan Officer

NMLS ID: 718187

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Joni Manchester

354 East Chicago Street

Coldwater, MI 49036

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I have been in the lending industry 40 years serving Branch, Calhoun, and Hillsdale counties. I enjoy working with all clients and have the knowledge to assist throughout the process. I offer conventional and government loans to serve the needs of our area and able to lend anywhere in the United States. I look forward to helping you purchase that vacation, relocation, or retirement house.


Born and raised in Branch County, I am familiar with the needs of this area and enjoy helping first-time homebuyers achieve the dream of home ownership. I also specialize in refinance transaction to get a lower rate or payment, helping clients obtain other financial goals.


My hobbies include hunting, camping, riding motorcycles, watching the Tigers (even when they are losing) and spending time with my husband, children, and grandchildren.


Everyone has unique situations, and I have the years of experience to make your mortgage financing a success. Let me help you finance the home of your dreams.

Mortgage Skills

  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Community Involvement

  • Coldwater Sunrise Rotary Club
  • B.N.I Strictly Business

Languages Spoken

  • English
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