Financing Checklist & LendersFinancing Checklist

Below is a list of items that a financial institution may require at loan application. Please note that this list may not be all inclusive so check with your financial institution for requirements.

Loan App Checklist

  • Drivers license or other ID
  • Residence address for the past two years
  • Name & address of each employer for the past two years & W-2’s
  • Gross monthly salary & current pay stubs for last 30 days
  • Social Security number(s)
  • 3 months bank statements
  • Names, addresses, account #, balances, & monthly payments of all open loans
  • Address of other real estate owned
  • Money for credit report & appraisal


Watts Homes & Construction recommended Lenders

Financing application

You may use your lender of choice when financing the purchase of real estate.

Watts Homes & Construction recommends using a local lender not only for speed and convenience, but also for the ability to have face to face communications with your lender during and after the sale. Below is a list of lenders our customers have used and recommend.

Arbor Financial Credit Union
1551 S. 9th Street
Kalamazoo, MI 49009
Holly Babb
(269) 375-6702

Independent Bank
1090 N. 10th Street, Ste 210
Kalamazoo, MI 49009
AJ or Maggie Harma
(269) 569-7238

Lake Michigan Credit Union
4084 W Centre
Portage, MI 49024
Alexis Howeard
(269) 978-6150

Mercantile Bank
107 W. Michigan Ave
Kalamazoo, MI 49007
Jim Kingsley

Northpointe Bank
3275 W. Centre Ave
Portage, MI 49024
John Denny
(269) 323-0804

Prosperity Home Mortgage LLC
6312 Stadium Drive
Kalamazoo, MI 49009
Jim Edsall
(269) 993-2376

Mortgage Calculator
This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home’s sale price, the term of the loan desired, buyer’s down payment percentage, and the loan’s interest rate. If you are in need of financing, visit our financing page.


Mortgage calculator

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