About Treadstone
Since 2003, Treadstone has been practicing common sense lending and created an environment where people work hard—and play harder. Under the guidance of co-founders and friends, Kevin Polakovich and Brendan O’Driscoll, we have continued to hire people with drive, integrity, and a true dedication to redefining the mortgage industry.
Today, we’re the leading premier local mortgage company in West Michigan (and pretty proud of it). But this didn’t happen overnight; it’s a product of our commitment to best-in-class customer service, on-time closings, and open, honest communication with both clients and agents.
When you visit our office, trust you’ll be welcomed by staff who genuinely care about you and want to know you by name. Plus, you may be greeted by our beloved Echo (the English Bulldog), too.
Office: 269.360.7109
Company NMLS ID is 222982
5787 Stadium Dr. Suite C
Kalamazoo, MI 49009
Latest Blog Post
Conventional vs USDA Loan Michigan: Your 2026 Mortgage Flight Plan
The “obvious” choice for your mortgage might actually be the most expensive path if you don’t account for the unique terrain of the West Michigan housing market. While you might assume a massive down payment is the only way to avoid financial turbulence, comparing a Conventional vs USDA Loan Michigan reveals that the right flight plan often involves much less upfront cash than expected.
We understand that staring at a map of geographic eligibility or weighing monthly mortgage insurance costs can feel like flying through heavy fog. It’s frustrating when you’re ready to move but feel grounded by confusing requirements. This guide will help you compare these options with the precision of a seasoned navigator. You’ll learn how to identify if your dream neighborhood is USDA-eligible, how the 2026 loan limit of $832,750 impacts your Conventional path, and how the $119,850 income limit affects your USDA eligibility. By the end of this flight plan, you’ll have the expert coordinates needed to choose a loan that offers maximum lift for your West Michigan home journey.
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