Bay City, Michigan homebuyers: Meet Ashley Kerby, your dedicated mortgage expert at Independent Bank. Specializing in conventional loans, Ashley guides clients through every step, simplifying the mortgage process from application to closing. With a focus on the Bay City community, she leverages her in-depth knowledge to secure optimal financing solutions. Available weekdays 9-5, Ashley is committed to providing personalized service and helping you achieve your homeownership dreams. Contact her today to explore your mortgage options.