Documents Needed

Be Prepared

Income & Employment

W-2 forms from the past 2 years (all employers)
Most recent 30 days of pay stubs
2 years of federal tax returns (all pages, all schedules)
If self-employed: Business tax returns + YTD P&L
If retired: Social Security award letter, pension statements
If rental income: Lease agreements + Schedule E

Asset Documents

Identity & Property

Purchase Transactions

You’ll also need a signed purchase agreement, proof of earnest money, and seller’s property disclosures.

Refinance Transactions

Current mortgage statement, deed, and most recent property tax bill.

Self-Employed Borrowers

Expect 2 years of business returns, a current YTD P&L, and potentially 12–24 months of bank statements.

⚠ Please Note

Additional documents may be required based on your loan program, property type, employment situation, credit profile, or lender requirements. Your advisor will provide a complete personalized list.

Questions About Documents?

Our team will walk you through exactly what’s needed for your specific situation.

Michigan Regulatory Disclosures

Michigan Dept. of Insurance & Financial Services (DIFS)

Michigan Mortgage Pro operates under the authority of DIFS. All mortgage loan originators are licensed in the State of Michigan.

NMLS Consumer Access

Verify licensing at nmlsconsumeraccess.org. Company NMLS# 2566773.

Michigan Mortgage Brokers, Lenders & Servicers Act

Licensed under MCL 445.1651 et seq. governing mortgage brokers in Michigan.

Interest Rate Disclosure

Rates and programs subject to change. All loans subject to credit approval and property appraisal.

Privacy Notice (GLBA)

Personal information collected solely for evaluating and processing your mortgage application.

Fair Lending & Equal Housing

Equal Housing Opportunity

We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, or disability.

Fair Housing Act Compliance

Committed to the Fair Housing Act, Equal Credit Opportunity Act (ECOA), and all applicable fair lending laws.

File a Complaint
Contact DIFS at michigan.gov/difs or HUD at hud.gov if you believe you have been discriminated against in any lending process.

Document

Preparing financial documents early can help speed up the mortgage approval process.

Providing these documents during the early stages of the loan process helps lenders evaluate financial eligibility and move forward with mortgage approval.

Borrowers applying for a mortgage loan may be asked to provide the following documentation:

Recent pay stubs
Two years of W-2 forms
Two years of tax returns for self-employed borrowers
Recent bank statements
Valid identification
Employment verification information

Providing expert mortgage solutions and personalized guidance to homebuyers across the Great Lakes State.