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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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
Great service and people. It took a while but that wasn't because of their service. They work with you tremendously to get your loan in place. Would highly recommend them.
Ll Walker
Working with Jeff was awesome! He was prompt and courteous with the whole process! We had refinanced just a few months before with another company and the whole process took... read more months and months! Jeff worked quickly and got us to our closing fast, with a good rate! Highly recommend him!
Elizabeth Richardson
Great to work with. All parties involved commented on how great BrightSide Lending was to work with during the process.
Erick
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Jeff Kaltz from BrightSide Lending made the home buying process easier than we ever could’ve imagined! He was responsive, timely and did everything in our best interest. A great guy... read more to have in your corner when making such big decisions!
camille gray
Jeff was very knowledgeable, kept us up to date on whole process. Came to our home whenever there was paperwork to be signed Wonderful experience
andrew malyszek
If you're looking for a lending company that's as bright as its name, then look no further than BrightSide Lending, and more specifically, Jeff. Jeff will brighten up your day... read more - he's professional, knowledgeable, and always available to save the day (and your bank account!). So, if you're in need of lending services, don't hesitate to reach out to Jeff and the team at BrightSide Lending. You won't regret it.
Jamie Lantagne
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