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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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

  • 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

    camille gray Avatar camille gray

    Jeff is great to work with, he is personal and makes the loan process very easy to follow. I had quotes to refinance from two other places, he was able... read more

    Nick R Avatar Nick R

    Jeff Kaltz did the best for us out of other companies we had researched. I highly recommend Jeff. Jeff is the BEST.

    Bob Mac Avatar Bob Mac

    Jeff was great to deal with. I've always done my mortgage directly with a bank so was a little nervous to use Brightside. Jeff was incredibly prompt with his responses... read more

    Mark Kalchik Avatar Mark Kalchik
  • We switched to Brightside because a large banking system couldn't get the job done and we felt like we were "just a number" We worked with Brightside Lending(Jeff) to refinance... read more

    Kate Coenen Avatar Kate Coenen

    Jeff was a pleasure to work with. Very professional and personable. Highly recommend him and BrightSide Lending.

    Andy Lauridsen Avatar Andy Lauridsen

    My wife and I used Brightside lending to refinance our home. Jeff was honest, professional, easy to work with and was on top of the entire process. This was the... read more

    Andy Shawver Avatar Andy Shawver

    Great to work with. All parties involved commented on how great BrightSide Lending was to work with during the process.

    Erick Avatar Erick
  • 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

    Jeff Gunnett Avatar Jeff Gunnett

    Great company to work with. Jeff was amazing to work with. Highly recommend.

    Linda junod Avatar 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

    Beth K Avatar 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

    Meredith E Avatar Meredith E
  • 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

    Allan Kenitz Avatar 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

    Conner Clarke Avatar 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

    Joseph Rippolone Avatar Joseph Rippolone

    Jeff at BrightSide Lending was great to work with, very knowledgeable and made it a smooth process. Would definitely recommend!

    Emily Lock Avatar Emily Lock