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Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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All Mortgage Loan Officers
Joe Spada

Joe Spada

First Vice President, Area Sales Manager | Bay City - Washington Ave. | NMLS ID: 772461

Joe brings over 20 years of mortgage experience, and is heavily involved in the local real estate market. He also has an established and reputable relationship with the tri-city community.

Phone Number

Office: 989.891.4053
Fax: 989.891.4114
Cell: 989.450.5196

Address

623 Washington Ave. Bay City, MI 48708

Email

JSpada@ibcp.com

Testimonials

Jason L.

October 1, 2024

"This was a great experience for me, up to and including the closing processing. I would highly recommend Independent Bank for any friends or family banking needs."

Patrick S.

January 23, 2023

"The whole process was extremely clear and straightforward. All my questions were answered the same day, and most were answered within an hour or two of emailing them."

Debra N.

February 19, 2023

"We closed in two weeks! Joe was so easy to work with. Highly recommend Independent Bank!"

Marlowe A.

July 21, 2023

"Everyone involved did an outstanding job! Having just moved in from out of state, and being a first-time homebuyer, it would be hard to do better than this team. Everyone was quick, accurate, friendly, and professional. I am still pleasantly surprised at how much stress was reduced by having such wonderful people to work with. Thank you!"

Caibry O.

August 25, 2023

"My whole experience getting a mortgage from Independent Bank was exceptional. Everything was extremely smooth, fast, and efficient. Along with the fact that I was informed/explained to what the process was with every step. I would 10 out of 10 recommend going through Independent for any banking/financial services. I do have to give credit to all of these compliments above to Joe Spada. I do not believe it would be possible for anyone to be better at their job than him, not only that but an all-around good person. I will definitely be coming back in the future."

Resources

Mortgage Do's & Don'ts

We know that the mortgage process can seem overwhelming, but at Independent Bank, it’s our goal to make this process as seamless as possible.

ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

Identity Theft Affidavit

A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit identitytheft.gov to use a secure online version that you can print for your records.

All Resources