Why Us?

The 231Loans.com office of Kaye Financial is proud to be your local lender. Located in Northern Michigan, we understand the local market and are available to serve our clients’ needs with quick and easy access. Our local office is conveniently and centrally located in Petoskey, Michigan, and available to answer our clients’ questions and immediately address any concerns throughout their homebuying or refinancing process.

Verify my mortgage eligibility (Jun 25th, 2022)

Powered by Kaye Financial Corporation, 231Loans.com blends the best of both worlds – local access and quality of service for our Northern Michigan clients with the experience and value of working with a large Metro Detroit lender. Whatever your mortgage question may be, 231Loans.com and Kaye Financial are here for you; that’s why they call us “Your Lender for Life”

Experience Matters:

Many borrowers initially believe that all lenders are equals, however those who have been through the mortgage process learn that there are many standards that set lenders apart. The number of years the lender has been in business, the licenses that they hold, and the experience level of their staff are just a few standards that separate one lender from the others.

At 231Loans.com and Kaye Financial, we don’t work “Banker’s Hours.” When we issue your preapproval during your home buying process, you are able to submit your offers with confidence, knowing that you have the full team at Kaye Financial Corporation behind you, doing everything in their power to accurately and swiftly close your transaction with the highest caliber of professionalism, service, and communication.

Experience at a Glance:

A Little About Me:

A graduate of the University of Notre Dame, Anthony Ponzetti is a licensed mortgage broker in the States of Michigan and Florida. Anthony began his career in the real estate industry right out of high school in the late 1990’s, and since that time has gained an exceptional level of experience, including a 3-year commercial real estate internship, an 18-month appraisal apprenticeship, and career experiences in new construction homes, office and industrial real estate, land development, quiet title action, and debt strategy including small business, and divorce and estate scenarios.

Unique to the industry, Anthony is a licensed mortgage loan originator, as well as a real estate broker, and real estate appraiser. Over the years as a mortgage broker, Anthony has worked with first-time home buyers and luxury vacation home buyers and everyone in between. Loan types have included, Veterans, Rural Development, FHA, 203K, Conventional, and Jumbo loan products. Experience with more complex files such as Asset Depletion, Self Employed, Divorce, and Estate have allowed Anthony to become a resource that local professionals have learned to depend on.

Combining these experiences and licenses with a Master of Science in Finance from the University of Notre Dame, a top-ranked US graduate level finance program, allows Anthony to have an interesting skillset and ability to view a mortgage file from a variety of perspectives and depth of knowledge to fully understand the transaction as well as the needs and requirements of the borrower and other stakeholders.

After decades of visiting “Up North”, Anthony decided to turn a dream into reality and moved to Petoskey, opening the 231Loans.com office of Kaye Financial to better serve borrowers of Northern Michigan. Anthony brings a vast level of understanding from decades of experience gained in Metropolitan areas, while providing a welcoming and local level of service to the residents of Northern Michigan.

Experience At A Glance

Show me today's rates (Jun 25th, 2022)