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Joni Manchester, (NMLS ID 718187)

Joni Manchester

Sr Loan Advisor

NMLS ID: 718187

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

Apply Now Contact me

354 East Chicago Street

Coldwater, MI 49036

About Jo Ann Manchester

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 Specialization

  • 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

Languages Spoken

  • English

Community Involvement

  • Coldwater Sunrise Rotary Club
  • B.N.I Strictly Business
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Joni Manchester, (NMLS ID 718187)

Joni Manchester

Sr Loan Advisor

NMLS ID: 718187

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

Apply Now Contact me

354 East Chicago Street

Coldwater, MI 49036

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Today's Rate

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1Rate as of 7/30/2021 10:13 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $985. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 7/30/2021 10:13 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,557. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  7/30/2021 10:13 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Joni Manchester, (NMLS ID 718187)

Joni Manchester

Sr Loan Advisor

NMLS ID: 718187