Sturgis Personal

Helping You Reach Your Goals

Purchasing a home is one of the largest investments you will make during your life, and it provides essential shelter for you and your family. When you own a home, you offer a safe haven to your loved ones while building equity in an asset that grows in value over time.

At Sturgis Bank, you have access to mortgage loans for new purchases, refinancing, and investment properties. Our mortgage options give you financial flexibility with a local loan decision-making process to deliver quick results. Browse our mortgage options below and Contact a Loan Officer today to discuss how we can meet your needs.

Fixed Rate Mortgages

Adjustable-Rate Mortgages

Construction Mortgages

Government Mortgages

Jumbo Mortgages

Home Equity Loans

Home Equity Line of Credit

Meet the Lending Team

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Avoiding Foreclosure

If you are struggling to make your mortgage payments, contact a Sturgis Bank loan officer. We’ll talk with you about options that can help you avoid foreclosure. You can also find useful, no-cost information at:

  • Freddie Mac’s My Home website:
  • U.S. Department of Housing and Urban Development’s HUD-approved counselors: 800.569.4287 or
  • For homeowners that still need help with home-related delinquencies, please visit 211 of Michigan at They have a list of organizations that may be able to help Michigan homeowners with emergency living and utility expenses.
  • If you are in bankruptcy and would like to opt-in or opt-out of receiving statements please submit a written request to Sturgis Bank Collection Department at 113-125 E Chicago Rd, PO Box 600, Sturgis, MI 49091 or call 888-255-7372.
  • Have questions? Call 269-659-1308 for our Collections Department direct line M - F 9am to 5pm EST or email us at
Manage your loan. Get Help with payment difficulties

Connect with a counselor. Advice to help you stay in your home if you are experiencing a financial hardship, homeowner counseling services can help you set a budget find local resources and decide what options might be best for you.

U.S. Department of Housing and Urban Development (HUD)

HUD is a U.S. government agency that works to increase home ownership, supports homebuyers, and offers government help for homeowners. HUD offers free or low-cost foreclosure prevention counseling throughout the country.

To find out where the nearest counseling agency is in your area, please visit or call toll free, 1.800.569.4287 for more information.

HOPE NOW Alliance

HOPE NOW is an alliance between counselors, mortgage companies and investors to create a unified, coordinated plan to reach and help homeowners facing financial hardship.

  • HOPE NOW Alliance counseling organizations provide borrowers with in-depth debt management, credit counseling and overall foreclosure counseling
  • all counselors affiliated with the HOPE NOW Alliance are HUD-certified and their services are free of charge
  • an independent, non-profit counselor can help you understand your situation, identify your options and help you work with your mortgage company to hopefully find an alternative to foreclosure

For more information about help for homeowners, visit or call the HOPE Hotline: 1.888.995.HOPE (1.888.995.4673).

Foreclosure Information & Alternatives

Understanding the foreclosure process. Knowing what to expect can better prepare you to lean your property and move forward. We'll help guide you through the process and if we can’t find an alternative solution for you, offer you assistance with your transition out of your property.

If you’re facing a foreclosure, we may be able to find an alternative. Don’t wait until you receive a notice of foreclosure. If you want to avoid foreclosure, you should consider other options as soon as you become concerned about your ability to make your payments. The sooner you call us to explore your options, the more alternatives you may have available to you.

What if I’ve received a foreclosure notice?

If you're behind on your payments, call 1.888.255.7372 Mon-Fri 9 a.m.-5 p.m. ET

I want to stay in my home

Refinance. If you're having difficulty making your home loan payments, refinancing your mortgage may be an option. It may make your monthly mortgage payments more affordable by lowering your interest rate or moving you from an adjustable-rate mortgage into a fixed rate loan. Sometimes, depending on your circumstances, both are possible.

HOPE NOW. This alliance helps homeowners who are having difficulty making their payments and are at risk of foreclosure by coordinating homeowner outreach events to reach as many borrowers who need help as possible.

Forbearance. You either make reduced mortgage payments or no payments for a period of time (generally three months) to give you a chance to get back on your feet during a temporary hardship. The missed payments are then repaid through a repayment plan in which you would resume making your normal monthly payments plus an additional amount over time.

Loan Modification. We offer different modification programs which may be available to qualifying borrowers. The goal of these programs is to modify your home loan, making the monthly payments affordable and sustainable so that you may be able to avoid foreclosure.

Hardest Hit Fund. This program was created by the federal government to help homeowners in states most affected by housing price declines and the recession. If you're having difficulty making your mortgage payments and you live in a participating state, the Hardest Hit Fund may be an option.

I would consider leaving my home

Short Sale Programs. The goal of a short sale is to help you avoid foreclosure if you're no longer able to remain in your house. In the short sale process, you sell your house and settle your mortgage debt for less than the amount that you owe.

Deed in Lieu. This option lets you avoid going through the foreclosure process by signing the deed to your property over to your lender. A deed in lieu can negatively affect your credit score, but the impact is generally less severe than a foreclosure.

Additional Support

Avoiding Scams. Dealing with the possibility of not being able to make your home loan payments is already difficult. Unfortunately, scam artists often try to take advantage of homeowners with mortgage fraud schemes, loan assistance scams and other types of mortgage loan fraud. If you are struggling to meet your commitment or are eager to sell your home, you must be extra careful.

Recognize and avoid mortgage fraud, loan assistance scams and other common schemes

  • Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a past due loan
  • Beware of anyone who says they can "save" your home if you sign or transfer over the deed to your house
  • Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage servicer to forgive your debt
  • Never make your mortgage payments to anyone other than your mortgage servicer without their approval

Call us at 888-255-7372 or 269-659-1308 Direct line to Collections. M-F 9 am to 5 pm ET or email us at

If you are in bankruptcy and would like to opt-in or opt out of receiving statements please submit a written request to Sturgis Bank & Trust c/o Collection Department 113-125 E Chicago PO Box 600 Sturgis MI 49091 or call 888-255-7372.

Mortgage Insurance

Several types of insurance are available to help your family keep your home if something happens to you as the primary wage-earner. These protections are subject to approval by Sturgis Bank and some restrictions may apply. All policies can cover a single or jointly owned household and can address part or all of the remaining mortgage up to a predetermined maximum amount. Insurance fees are added to your existing mortgage payment. Contact your Loan Officer for more information.

Mortgage Insurance

  • Property-Ayres-Oak Insurance Services
    The customer is free to select an insurance provider of their choice.
  • Mortgage Life Insurance
    If the head of household dies, mortgage life insurance offers an affordable solution for paying off a mortgage or reducing payments.
  • Mortgage Accidental Death Insurance
    If death occurs due to an accident, coverage is available to pay off or reduce the amount of your mortgage.
  • Mortgage Disability Insurance
    If a homeowner becomes disabled, insurance coverage can help with mortgage payments.

Notice of Error Resolution & Information Requests

If you think an error has occurred on your mortgage account or if you need specific information about the servicing of your loan, contact us as soon as possible.

Sturgis Bank & Trust Company
Attn: Loan Servicing Department
PO Box 600
Sturgis, MI 49091

By email:
By phone: 1 (888) 255-7372

All written requests for information or notices of error should contain the following information:

  1. Your name and current contact information.
  2. Your account number and property address.
  3. Describe the error and explanation as to why you believe it is an error or a request for specific information regarding the servicing of your loan.