20+ Years of Experience
Locally Owned In Rochester
Personal Service Start to Finish
Your Local Mortgage Broker in Rochester, Michigan
BrightSide Lending is an independent mortgage broker located in Rochester, Michigan, helping homebuyers and homeowners throughout Southeast Michigan find the right financing for their goals. We offer Conventional, FHA, VA, USDA, jumbo and other mortgage options while providing straightforward guidance, competitive loan options and personal service from application through closing.
Homebuyers
Buying a home? Explore mortgage options tailored to your goals, budget, and down payment.
Explore Buying Options
Mortgage Rates
Wondering what rate you qualify for? Explore your mortgage rate options with personalized guidance.
Check My Rate Options
Refinance
Looking to lower your payment, access equity, or change your loan? Let’s explore your options.
Explore Refinancing
Ask an Expert
Have a mortgage question? Get honest answers and personalized guidance from a local expert.
Ask a Mortgage Question
What are you waiting for?
Getting started is easy. We offer very competitive rates, have great service, and always close on time.
Request a quote
Local Loan Options
Whether you’re buying your first home, moving to your next home, refinancing or using your home equity, BrightSide Lending offers mortgage options for borrowers throughout Rochester and Southeast Michigan. Explore some of our most popular loan programs below, or view all of our home loan options to find the financing that fits your needs.
FHA Loans
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Home Refinance Loans
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VA Loans
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Jumbo Home Loans
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Conventional Loans
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Home Purchase Loans
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View All Loan Programs
Mortgage Questions? Start Here.
Buying your first home, comparing mortgage options, or planning your next move? Find straightforward answers in our Michigan mortgage guides.
Explore All Mortgage Guides
What our clients are saying about BrightSide Lending
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Jeff Kaltz is knowledgeable, very responsive, professional, and personable. We started to work with a large national competitor of BrightSide and found that they lacked knowledge of the refi process... read more specific to Land contracts in the State of Michigan and ended up wasting 45 days of our time only to tell us they had to start the process over. We fired them and got in touch with Jeff at BrightSide. Jeff was familiar with Michigan policies and process and got us a great rate and a 30 day closing!
Jeff Gunnett
Great company to work with. Jeff was amazing to work with. Highly recommend.
Linda junod
I happened upon BrightSide Lending when owner Jeff Kaltz personally provided a significant donation to a fundraiser that made the difference in helping a veteran avoid home foreclosure. A quick... read more google search to investigate this good deed led me to Jeff's business, BrightSide Lending. Due to some previous paperwork errors on our home purchase, we had been unable to find anyone who could get a refinance done for the past 10 years, but I felt I had nothing to lose in reaching out to at least thank Jeff for his contribution to the veteran. Miraculously, Jeff's perseverance, connections, and knowledge helped us refinance at a significantly lower rate and saved us hundreds of dollars per month. The rate was extremely competitive as were the closing costs. All the while, Jeff's hard work, stellar communication, and prompt replies to questions made the process essentially painless, and we closed on our refinance within 30 days. I cannot recommend BrightSide Lending enough!
Beth K
I recently purchased my first home with the help of Brightside Lending. Jeff was amazing to work with. He was efficient, knowledgeable, patient, and worked very hard to... read more help me get my first home. He walked me step by step through the process to ensure I understood everything. If you’re looking for someone that’ll go above and beyond for you, I’d absolutely recommend Brightside Lending.
Meredith E
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We were planning to go with another lender, but Jeff from BrightSide contacted us and gave us a much better offer. He saved us money and helped us every step... read more of the way. Highly recommended!
Allan Kenitz
Jeff was referred to my wife and I by our realtor, Brian Stecker. We will be forever grateful for the quick response time and amazing customer service during the whole... read more lending process. From start to finish on our home purchase, the process was carefree and honestly enjoyable. My wife and I will never use another lender. True customer service is hard to come by nowadays, but BrightSide Lending goes above and beyond. Thank you so much Jeff! -Conner & Christina Clarke
Conner Clarke
I can’t recommend Brightside Lending enough! We started our journey to home buying over 2 years ago and then took a pause due to family things. They reached out every... read more so often to see how things were going and let us know they were still there when we were ready. So when I reached out, stephanie remembered me right away and got right to work finding the perfect loan for us. Stephanie Mcknight answered all of our questions, was patient with us, and literally made it such a smooth and easy process by being super detailed and explained in detail anything we weren’t familiar with. She knows her stuff and got it done! Even my wife said she was glad to have met her and will refer! As first time home buyers, I am SO thankful we were able to work with Brightside Lending and Stephanie Mcknight , and if the day comes to do it all again, I wouldn’t go anywhere else! Do yourself a favor and call up Stephanie if you want a team that will work tirelessly to get you exactly what you need!!
Joseph Rippolone
Jeff at BrightSide Lending was great to work with, very knowledgeable and made it a smooth process. Would definitely recommend!
Emily Lock