Ready to purchase or refinance?
Are you preparing to purchase your first home? Thinking about refinancing for a better rate? Maybe you’re looking to move to a larger or smaller house? Let us help you find the right loan to purchase the home of your dreams. We even offer a no-cost pre-approval to help discover how much you can afford and to make your purchase offer more appealing to sellers. We will give you the information you need to find the right mortgage solution to fit your needs.
Low Down Payment Programs
Flexible Payment Terms
Here is a list of documents you and your co-borrowers may need to complete your mortgage application. Additional documents may also be needed later in the process.
Purchase Application Checklist
2 most recent pay stubs
2 most recent W2’s or 1099’s
Last 2 years full tax returns
Bank Statements (2 most recent months)
Purchase Agreement (needed only when the application is finalized)
Refinance Application Checklist
- 2 most recent pay stubs
- 2 most recent W2’s or 1099’s
- Last 2 years full tax returns
- Driver’s License
- Bank Statements (2 most recent months)
- Current Home Owners Insurance policy
- Current Mortgage Statement
- Summer & Winter Tax Statements
If you are unable to provide one or more of the requested documents, please contact us at (586) 756 - 3300.
If you have a current mortgage with us and your mortgage is escrowed, you will be receiving your annual escrow analysis in the mail. If you have a shortage or overage, your payment will increase or decrease. This is usually due to your taxes and/or insurance raising or lowering. If your overage is $50.00 or more, a check will be sent to you shortly after you receive your analysis. Shortgage payments cannot be made online, please mail us a check or contact us for more details at (586) 756 - 3300.
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