Online Application

The first step in applying for a mortgage is completing our online application. This application will request basic information like:

  • Your legal name
  • Social security number
  • Date of birth
  • Where you've lived and worked for the last two years
  • Your income sources

After your application is received, a mortgage lender will contact you with a customized list of additional documentation needed to move forward with the processing and underwriting of your application. In general, you can expect to provide the list of documents below.

Personal Information

  • Copy of a valid picture ID (driver’s license, state ID or passport)
  • Certificate of Trust dated within 1 year, if closing in a trust
  • Power of Attorney, if applicable
  • Proof of residency if not a US citizen

Income Verification

  • Most recent paystub that includes your name, employer name and year-to-date earnings and deductions
  • Last two years W2s and 1099s from all income received
  • If other income is received: Such as retirement, child support, alimony, social security or disability income, you'll need to provide proof of receipt and details regarding its continuance. This could be documented in your most recent year’s 1099 statements, your bank statement from the last 2 months showing the deposits or a recent statement outlining the benefits from the source.
  • If you're self-employed: You'll need to provide copies of your most recent two years federal income tax returns for both personal and business, including all statements, schedules and K1s. A most recent Profit and Loss statement may also be required.

Asset Verification

  • Most recent month’s bank statement, to include all pages – even blank/reconciliation pages showing an available balance sufficient for funds needed for your closing and/or reserves. This needs to identify your name, bank name, account numbers and daily transactions with running balances. All larger, unidentified deposits, will need to be sourced with additional documentation.
  • If you're using gift funds: A gift letter will be provided to complete with your donor and will need to accompany a copy of your gift check and the donor’s most recent bank statement.
  • If you've recently sold an asset: A copy of the font and back of your Earnest Money Deposit check after it has cleared your bank account.


  • Proof of home owner’s insurance with your agent’s contact information for all properties owned
  • Most recent year’s tax invoices for both summer and winter for all properties owned
  • Land contracts or lease agreements for all properties owned
  • For purchases in process: Copy of your purchase contract with all seller disclosures
  • For Condominiums: Most recent Home Owner’s Association invoice along with Association Management contact information

Credit Verification

  • Credit Inquiries: Letter of explanation addressing all recent inquiries on your credit report. If new credit has been established not yet reporting, a most recent statement will be required identifying the terms of your new loan.
  • Alimony or child support: Copy of your complete divorce decree and/or Friend of the Court documentation
  • Bankruptcy: Copy of complete bankruptcy report with all schedules and executed proof of discharge
  • Foreclosure: Copy of Sheriff’s Deed identifying date of being recorded
  • Collections/Judgments: Proof of satisfaction

How to submit requested documentation

  • Your privacy is important to us, be sure to use a secure method when providing any documentation. You can submit documents using our online portal or bring them to your local branch
  • Provide complete and unaltered documents. Leaving pages out (even if there is noting on them but a page number), or blocking or covering information may result in a request for the full unaltered document and cause unnecessary delays.

We’re here to help

Whenever you have home loan questions or needs, our friendly mortgage lending experts are here to help. So, don’t hesitate to give us a call at 616.559.7000 or connect with a local lender.

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