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The Michigan Team

With deep roots in the Great Lakes State and years of experience under our belts, The Michigan Team is proud to guide you through the twists and turns of the mortgage process—whether you're settling down in Grand Rapids, Detroit, Traverse City, or somewhere in between.

As your local mortgage experts, we’re committed to delivering personalized support with Midwest warmth and professionalism. From the first conversation to closing day, we make sure every step feels clear, calm, and under control.

Whether you're buying your first bungalow in Ferndale, refinancing your lake house near Torch Lake, or planting roots in a Lansing suburb, we’re here to chart the course with insight, integrity, and a neighborly touch. Let’s make your next move feel like coming home.

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. By checking "Yes, I would like to receive text messages," you are consenting to receive recurring marketing/account notifications from Churchill. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. SMS consent is not extended to third parties. For more information, read our Privacy Policy, Mobile Policy and Terms & Conditions.

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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile Policy, Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

Thank You!

Thank you for choosing Churchill Mortgage to help you with your home loan needs!

Our team is already hard at work connecting you with your Home Loan Specialist. Rest assured that we've received your request and will be in touch with you shortly.

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Meet The Michigan Team

Home Starts Here — Right in the Heart of Michigan

Chris DeRuischer

Branch Manager | NMLS ID: 1025953

Office  :

616-278-0348

Mobile:

616-644-3702

Email Chris DeRuischer Submit an Application View my Calendar

5751 Byron Center Ave SW, Suite Y, Wyoming, MI 49519

Proudly Serving: Indiana, Michigan, Ohio, Kansas, South Carolina, Florida, Virginia

Christopher Stephen DeRuischer NMLS ID: 1025953; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2075537; FL-LO88876; IN-46077; KS-LO.0051771, Kansas Licensed Mortgage Company; MI-1025953; OH-LO.046182.000 under company license OH-RM.850178.000; SC-MLO - 1025953; VA-MLO-78237VA, Churchill Mortgage Corporation of TN; 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; Tel: 616-301-7100; All other states, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Chris Townes

Home Loan Specialist | NMLS ID: 2157985

Office  :

616-284-4555

Mobile:

269-300-8484

Email Chris Townes Submit an Application View my Calendar

Proudly Serving: Michigan

Christopher Landon Townes NMLS ID: 2157985; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2075537; MI-2157985; Tel: 888-562-6200, 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; All other states, Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Chris Dennison

Home Loan Specialist | NMLS ID: 850828

Office  :

616-317-8139

Mobile:

616-802-8389

Email Chris Dennison Submit an Application View my Calendar

5751 Byron Center Ave SW, Suite Y, Wyoming, MI 49519

Proudly Serving: Michigan, South Carolina, Virginia

Christopher Dennison NMLS ID: 850828; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2075537; MI-850828; SC-MLO - 850828; VA-MLO-78266VA, Churchill Mortgage Corporation of TN; 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

Matt Kroon

Home Loan Specialist | NMLS ID: 1119369

Office  :

616-327-4633

Email Matt Kroon Submit an Application View my Calendar

5751 Byron Center Ave SW, Suite Y, Wyoming, MI 49519

Proudly Serving: Michigan

Matthew James Kroon NMLS ID: 1119369; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2075537; MI-1119369; 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

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Owen Vanderwey

Home Loan Specialist | NMLS ID: 2666943

Office  :

517-455-7469

Mobile:

517-599-4995

Email Owen Vanderwey Submit an Application View my Calendar

5751 Byron Center Ave SW, Suite Y, Wyoming, MI 49519

Proudly Serving: Michigan, Indiana

Owen Mark Vanderwey NMLS ID: 2666943; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2075537; IN-74041; MI-2666943; 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

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Isaac Schultz

Home Loan Specialist | NMLS ID: 1842734

Office  :

517-853-5472

Mobile:

517-316-5742

Email Isaac Schultz Submit an Application View my Calendar

5751 Byron Center Ave SW, Suite Y, Wyoming, MI 49519

Proudly Serving: Michigan

Isaac Schultz NMLS ID: 1842734; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); MI-1842734; 5751 Byron Center Ave SW, Suite XY, Wyoming, Michigan 49519-9621; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

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Chris Craft

Home Loan Specialist | NMLS ID: 2010115

Office  :

616-317-2678

Mobile:

616-229-5800

Email Chris Craft Submit an Application View my Calendar

2900 S. State Street, Suite 3#, Office #4, St. Joseph, Michigan 49085

Proudly Serving: Indiana, Michigan

Christopher Eric Craft NMLS ID: 2010115; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); IN-77066; MI-2010115; 2900 S. State Street Suite 3E, Office #4, St. Joseph, MI 49085; Churchill Mortgage Corporation

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org)

The Michigan Team in the News!

Our team has been featured in...

08-17-2026 CBS News

Is a HELOC or home equity loan better for borrowers now?

 Matt Kroon's commentary on HELOCs was featured in CBS News. 

"Rates between the two are very close, but HELOC rates are just slightly lower in most instances," says Matt Kroon, home loan specialist at Churchill Mortgage." 
Matt Kroon | 1119369
https://www.churchillmortgage.com/matt-kroon
builder-partner

When you partner with Churchill Mortgage in Michigan, you're teaming up with folks who know the market—from growing communities like Grand Rapids and Novi to custom builds nestled in the Upper Peninsula.

We work side-by-side with local builders to highlight your homes and attract the right buyers with tools and support tailored to the Michigan market.

You and your clients get access to:

  • Custom Co-Marketing Options: Branded websites, flyers, and local showcase opportunities

  • A Dedicated New Construction Team: Experts who understand the Michigan building landscape

  • A Full Menu of Loan Programs: Designed to fit your buyers’ unique needs

  • Extended Rate Locks: Helping buyers breathe easy in an unpredictable market

  • Trusted Support for Homebuyers: Clear guidance from start to finish

Let’s build something great together—right here in the heart of Michigan.

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Builder Edge Program

The Builder Edge Program is dedicated to helping builders sell more homes through custom financing Options.

We help with:

  • Expedited Draw Turn Times
  • Up-Front Documentation
  • Float down options for capped interest rates
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Custom Co-Marketing Materials

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Day 1

  • Welcome box with swag
  • Business cards
  • Marketing Studio account
  • Personal computer
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Wide Range of Loan Programs

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Day 1

  • Welcome box with swag
  • Business cards
  • Marketing Studio account
  • Personal computer
Become A Builder Partner

What Others Say About Us

Read Testimonials and 5-Star Reviews from happy customers and partners!

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Customer Reviews

Trusted by home buyers across the nation to do what's right.

4.84

Avg. Rating

1,000+

Total Reviews

Score: 5.0
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Extremely smooth and fast transaction. All my questions were answered in a timely matter. Very happy with my experience!

Michael H.
Woodburn, OR
Aug 24th, 2021
Score: 5.0
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The staff at Churchill were excellent. They were always available to answer any questions I had. It was a very positive experience!

Nicola M.
White House, TN
Aug 24, 2021
Score: 5.0
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This is our first home purchase and Churchill made everything as easy as possible. Their communication and flexibility with our unique circumstances (also having our first baby at the same time!) were stellar and they kept us up to date and informed regularly. I cannot recommend them enough!

Evan Anthony N.
Mountlake Terrace, WA
Aug 24, 2021
Score: 5.0
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Professional and expedient. A trusted partner helping us to navigate the home-buying process. Thanks team!

Jeremy F.
Raleigh, NC
Aug 25, 2021