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logo
  • Home
  • Apply Now
  • Reference
  • Loan Process
  • Loan Programs
  • Mortgage Calculators
  • FAQ
  • About Us
  • Meet the Team
  • Employment
  • Contact
  • Locations
  • Branch Locations
  • 269-488-7100
logo
  • Home
  • Apply Now
  • Reference
    • Loan Process
    • Loan Programs
    • Mortgage Calculators
    • FAQ
  • About Us
    • Meet the Team
    • Employment
    • Contact
  • Locations
    • Branch Locations
  • APPLY NOW

Application Checklist

Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

The Subject Property

  • Copy of the sales contract including all riders and/or addendums signed by both you (the buyers) and the the sellers
  • Verification of the deposit you placed on the home, also known as an EMD or Earnest Money Deposit
  • Names, addresses and telephone numbers of all realtors, builders, insurance agents involved

Your Income

  • Copies of your pay-stubs for the most recent 30-day period with the latest showing year-to-date totals
  • Copies of the W-2 forms you received from your employer for the past two years
  • Names and addresses of all employers for the last two years
  • Letter explaining any gaps in employment in the past 2 years
  • Work visa or green card if applicable (copy front & back)

If self-employed or receive commission or bonus, interest/dividends, or rental income:

  • Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)
  • K-1's for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1's are not attached to the 1040.)
  • Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)

If you will use Alimony or Child Support to qualify:

  • Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last 12 months

If you receive Social Security income, Disability or VA benefits:

  • Provide the award letter for the current year from the agency or organization

Source of Funds and Down Payment

  • Sale of your existing home - provide a complete copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement/Closing Statement)
  • Savings, checking or money market funds - provide complete copies of bank statements for the last 2 months
  • Stocks and bonds - provide complete copies of your statement from your broker or copies of certificates
  • Gifts - If a gift is part of your cash to close, we will provide you Gift Letter form to be completed and signed. Proof of receipt of funds is require. The donor of the gift funds may be required to provide documentation for the source of the funds
  • Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation or letters of explanation

Debt or Obligations

  • You will be asked to review the debts on your credit report for accuracy and if any new debt has been acquired that is not appearing on the report
  • Include all names and contact information for landlords if you currently pay rent or have paid rent in the last two years 
  • If you are paying alimony or child support, include  a complete copy of a fully executed marital settlement/court order stating the terms of the obligation

Application Fees

  • The appraisal fee is the only fee required when submitting an application so that the appraisal may be ordered right away

Mortgage Calculator

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About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

Company NMLS: 110139
Apollo Home Mortgage is a division of AmeriFirst Financial Corporation

Contact Us

6120 Stadium Drive Ste C
Kalamazoo, Michigan 49009
269-488-7100
800-385-7052

kmorgan@apollohomeloans.com 

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