With the excitement of buying a home, we sometimes forget what a financial institution may require at loan time. At Watts Construction we work with several area lenders to help make that process flow as smoothly as possible. We have put together a short check list of information you may need when you apply for your mortgage.

Please note that this list may not be all inclusive so please check with each financial institution for their individual requirements.

• 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

Local Banks

• Wells Fargo
  7898 Oakland Drive
  Portage, MI 49024
  Arika Smith (269) 323-8161
  Website: www.wfhm.com/Arika-Smith
  
• Keystone Community Bank      
  107 W. Michigan Ave        
  Kalamazoo, MI  49007        
  Karen S. Newland (269) 373-3429        
  knewland@keystonebank.com          
  
  6405 S. Westnedge Ave        
  Portage, MI  49002        
  Derek Naylor (269) 321-9100        
  dnaylor@keystonebank.com
  
  Bank of America
  5810 Gull Road
  Kalamazoo, MI 49048
  Julie Wdowicki (269) 344-2614 Ext 221
  juliewdowicki@bankofamerica.com
• National City
  108 East Michigan (downtown)
  Kalamazoo, MI 49007
  Shirley Morford (269) 376-9128
  Lisa McCormick (269) 376-9284
  

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