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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I'm a dedicated Loan Officer based in Northern Michigan, where I have the privilege of helping first-time homebuyers achieve their dreams of homeownership. With a passion for community involvement, I take pride in being an active member of our local area.

Outside of work, I cherish spending time with my wonderful husband and our two beautiful children. We love exploring the great outdoors together, whether it's hiking, camping, or simply enjoying a sunny day at the park.

Helping families find their perfect loan is not just my job-it's my passion. I look forward to assisting you on your journey to homeownership!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Manufactured homes

Manufactured homes

Manufactured or CrossMod homes feel just like traditional, site-built homes. Fannie Mae’s MH Advantage® or Freddie Mac’s CHOICEHome programs create more flexible, affordable and innovative home options if you’re interested in purchasing a custom manufactured home with the look and feel of a traditional home. These can include many of the same amenities like garages, car ports, porches, decks and more.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.96 out of 5.0 stars
4.95
5.0
Lori
Apr 23, 2025
Verified

We were looking for a great lender who would keep us informed and Megan Alberts, Cherry Creek Mortgage far exceeded our expectations. She welcomed our calls anytime we had questions and always followed up with an answer. We were never left in the dark. She was very polite, made us feel we were important and we felt confident with her looking out for our best interests. I would recommend Megan at Cherry Creek Mortgage, Cadillac to anyone. We experienced a fast turn around getting our loan approved and before we knew it we were sitting at the closing table. You won't ever regret with Megan on your side. She's got to be the best mortgage person we have ever dealt with. Highly recommend
Betsy
Apr 21, 2025
Cadillac, MI
Verified

As a real estate agent, anytime I refer clients to Megan, I know they will recieve the best care. She is responsive, patient, and great with explaining the loan process to her customers. Great job, Megan!
Melissa S
May 06, 2025
Verified

Excellent at communicating and keep you updated!! Very happy!
Krista
Mar 21, 2025
Verified

Megan is so knowledgeable in the mortgage space. She was always readily available and eager to help as quickly as possible. We could not have purchased our home as quickly as we did without Megan. Megan went above and beyond for us!
Will
Mar 20, 2025
Verified

Megan is the best! She made the home buying process quick and painless for us, she was there every step of the way and answered all of our questions. Would absolutely work with her again!
Melissa
May 05, 2025
Cadillac, MI
Verified

Megan was awesome at communicating status. We never were left questioning where things stood. Guild was able to close a loan when others in our area couldn't because of a data breach issue; they were willing to figure out a way.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1680209
I am authorized to do business in the state of Michigan.