Supporting Documentation

Having the following supporting documentation will expedite the approval process for your mortgage. If we will be meeting in person, bringing the supporting documentation with you is extremely helpful, though not required. If you are applying through our website, please upload or fax the supporting documentation to us as soon as possible after you have received our disclosure packet and have decided to proceed with Northpointe Bank. Your documentation can be uploaded by clicking here or faxed to 616-726-5681.

All applicants should bring:

  • Copy of drivers license for all borrowers
  • Your most recent pay stubs for all employers for the last 30 days
  • Your W2’s for the last two years
  • Your most recent bank statement for all bank accounts for the last two months
    (all pages required, front and back, including blank pages that are numbered)
  • Your most recent Investment and/or Mutual fund account statement(s)
    (all pages required, front and back, including blank pages that are numbered)
  • Your most recent 401(k), IRA or Profit Sharing Plan Statement
    (all pages required, front and back, including blank pages that are numbered)
  • Name, address and telephone number for any landlord over the last 2 years if you have rented
  • Your complete divorce decree or bankruptcy filing
    (if applicable, all pages of the entire document are required)
  • Self-employed borrowers will need a copy of their most recent 2 years Federal Tax returns
    (Business and personal, complete copy of the entire return(s))
  • Pension income requires evidence of that income (check stub). If it is direct deposited, the last 3 months bank statements will typically suffice
  • Social security or disability income will require a copy of the most recent awards letter as well as the most recent 3 months bank statements

Clients building a new home should also bring:

  • Your signed contract with your builder
  • Your blueprint and specification sheet
  • Your builder’s name, address and telephone number
  • A copy of the deed for your lot if you already own it -or- the purchase agreement for the lot you are purchasing

Clients purchasing a home should bring:

  • A copy of your fully executed purchase agreement
  • Your Realtors name, address and telephone number

Client who are refinancing should also bring:

  • A copy of your current survey on your home (if available)
  • A copy of your current homeowners insurance policy
  • Your mortgage company’s name, telephone number and your account number -or- a copy of your last mortgage statement
  • Copies of the documents from your last mortgage (if readily available, this is a huge help)
  • If you have a home equity loan or second mortgage on your home we will also need a copy of your loan agreement for that loan.

While you are not required to provide this information at the time you apply for a loan, being prepared will help to expedite the mortgage process for you.  Also, once you have received our disclosure packet and have decided to proceed with Northpointe Bank, you will be required to submit a $400 application deposit.  If you have questions or concerns, please contact my office. We look forward to assisting you with your mortgage.