Your Home. Your Future. Our Priority.
From pre-approval to closing, we're with you every step of the way.
Mortgages and Refinancing
Explore mortgage solutions for every stage of homeownership, from buying to refinancing, with competitive rates, local decision-making, and expert guidance to help you secure financing that fits your life.
Home Equity Loans
Leverage your home’s equity with Home Equity Loans or HELOCs offering affordable, flexible financing for improvements, debt consolidation, or major expenses, backed by competitive rates and personalized support.
Assistance Programs
We offer a range of Assistance Programs—including down payment aid, credit-building resources, and specialized loans—designed to help borrowers overcome barriers and achieve long-term financial success.
Find a Loan Officer Near You
About Southern
Southern Michigan Bancorp, Inc. is a bank holding company and the parent company of Southern Michigan Bank & Trust. It operates 18 offices within Branch, Calhoun, Hillsdale, Jackson, Kalamazoo, and St. Joseph Counties, providing a broad range of consumer, business, and wealth management services throughout the region.