Loan Application Checklist -  What you need to bring to the application
Russ Ravary, cell (248) 310-6239 
The following is a Loan Application Checklist of information needed to start processing your loan. If you have questions about anything on the list, please do not hesitate to contact us, we are here to help. Please note that you will need the following information for the borrower and any co-borrower(s): 

Loan Information: 

If a Refinance - a copy of your most recent mortgage statement. 
If a Purchase - a copy of a fully executed and signed Purchase Contract. 

Sufficient Funds to Close: 

Two Most Recent Months of Bank Statements for all checking, savings accounts. ALL PAGES! Every page front and back even if it seems to be worthless. The lender wants to see all pages of the statement.  If it says 1 of 15.  We need 15 pages!

If you are getting the statement off line from the computer.  The statement must show your name, your account number, your address on the same page as the account information.  Otherwise the lender can not verify it is your account.

Asset statements:

The Recent Statement for all IRA's, retirement accounts, 401K's, mutual funds, stocks, bonds, brokerage accounts. ALL PAGES! Every page front and back even if it seems to be worthless. The lender wants to see all pages of the statement.  If it says 1 of 12.  We need 12 pages!  And we need the most recent.  If you shredded the last one.  Call to get a duplicate.

If you have an Employer: 

Two Most Recent W-2 forms.  If you have lost these you can have your employer get you a copy. 
Two Most Recent Federal Tax Returns 1040´s ? Signed, dated and all schedules.  All pages again.
 A full month of Pay stubs, your Most Recent Pay Stubs 
 You phone number of work, and a contact person in Human resources to verify your employment

If you are Self-Employed: 

Two Most Recent Federal Tax Returns 1040´s ? Signed, dated and all schedules.  ALL PAGES AGAIN!
A year-to-date Profit and Loss (P&L) Statement (less than 60 days old) 
Most current signed Balance Sheet 

You can get  the Profit and Loss statement from your accountant.

If you're part of a Corporation or Partnership: 

Last year's tax return for corporation/partnership including form K-1  ALL PAGES!
A year-to-date Profit and Loss (P&L) Statement (less than 60 days old) 
Most current signed Balance Sheet. 

Other Items: 
Depending on your individual situation, you may also have to supply some additional information. Read over this list below and see if any of it applies to you. 

Gift Funds: If your down payment includes a financial gift 

A Gift Letter stating the amount gifted signed by the donor. 
A Copy of the check or wire transfer showing the donor's name and account number 
A Copy of the deposit into your bank account or a bank statement showing the money going into your bank. 

Social Security: If you receive a Social Security pension or annuity provide 

A copy of the awards letter.  *If you have thrown this out you can get a replacement at your local social security office.  
A copy of a recent benefit check or two months bank statements if it is being direct deposited.  ALL PAGES 

Other Real Estate: If you own other real estate provide 

A lease/rental agreement of  each property.  if applicable 
Copies of property tax and insurance bills for each property. 

Alimony or Child Support: If you pay/receive alimony or child support provide 

Complete signed divorce decree 

Bankruptcy: If you have filed bankruptcy provide 

The complete discharge papers. 
A copy of the petition (including schedules A & B). 
An explanation of the circumstances. 

Rent: If you currently pay rent provide 

The name, address and phone numbers for your landlords. 
Copies of rental payments for the last twelve months (may include canceled checks, bank statements ) 

VA Loans: If you are applying for a VA Loan provide 

Certificate of eligibility DD-214 (out of service) statement of service (in service) 
Active military, a copy of your orders and permission to live off base card.

Wing Lake homes for sale

Watch our Stison Lake Video

Belleville Lake Sales are a great way to compare the price of your home. 

Market Watch for Buyers

 I would recommend Lime Lake to look for a home on. 

Cooley Lake Sales

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