Your Local Michigan Mortgage Specialists
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Create an Account

To submit an application, follow the steps below to create an account:

  1. Fill out the registration form
  2. Check your email for your temporary password
  3. Enter temporary password and create a new password
  4. Proceed to application

If you do not receive your temporary password or have any other questions regarding the application process, please contact your loan officer.

Once you create an account, you will be able to save an application to finish later and track the status of your application. Accounts are free and all information is secure and confidential.

Tips on Applying for a Mortgage

Remember that you can go back and complete this application at any time, and can call us for help and tips to submit the perfect application! Here’s a list of “pre-planning” mortgage moves to help you be ready.


  • Provide your last two paystubs along with your W2s and Federal tax returns for the last two years (include all schedules). State returns are not needed.
  • If you are self-employed, ask me for the additional documentation requirements.
  • If you receive bonus or commissions or have changed your job or position, let’s talk.


  • Combine all the funds needed to close into one account at least two months prior to your application.
  • Document any other deposits here as each could be scrutinized.

Your Statements:

Save all pages of your asset statements, even if some are blank or are just advertisements.


  • Make copies of checks and deposit slips to prove they are not borrowed money.
  • Deposit checks individually.
  • Don’t deposit cash without clear proof of the source.


If you are going to sell stocks, bonds, investments or borrow against a retirement account, do it now. Cashing out now may cost you a few dollars in additional gains, but it also protects against losses.

Current housing:

  • If you have sold recently or will be selling a current residence, provide a copy of the HUD-1 or Closing Disclosure/Settlement Statement.
  • If you own and are not selling, you’ll need to qualify for both homes or meet the requirements for renting the current.
  • If you are renting, show 12 months of canceled checks demonstrating timely payments and/or written verification from your management company.
  • Ideally, pay your rent on the same day each month on or prior to its due date.
  • If you live with family, you may need a letter stating that you live rent-free.


  • Check your credit report at
  • Identify any errors now and consult with us for the correct action to take.
  • If you co-signed a loan or are being reimbursed for a loan that’s in your name, you’ll need at least six months of checks to exclude it.
  • Avoid new credit or inquiries. These can lower your score and increase your rate.

Employment Stability:

  • Ideally, you’ll have two years or more with your current employer.
  • Consult with us before changing employers, position or method of compensation. For example, don’t switch from salary to commissions.

Apply With Jonathan Arnold

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