Homebuyer Documentation Checklist

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Pre-Approval Documentation Checklist

Gather these documents to streamline your mortgage pre-approval process.

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Required

Copy of driver’s license
2 most recent paystubs
2 most recent W2s

and/or 1099s
2 most recent Federal tax returns

including all schedules (all pages)
2 most recent checking and savings statements

official account statements (all pages)
2 most recent retirement account statements

all pages
Contact information for home owners insurance agent

If Applicable

Copy of earnest money check once cleared

purchases only
Settlement statement from property purchase

refinances only
Most recent mortgage statement

refinances or other property owned
Full divorce decree & child support orders
2 most recent business tax returns

including all schedules and K1s
Social security/pension income awards letter

most recent
First-time home buyer class certificate

MSHDA and 3% down Conventional loans
College transcripts

unofficial ok, only if within last 2 years
Bankruptcy papers

only if within last 7 years

The Home Buying Process

Grand Rapids Home Loan Programs

Treadstone offers a wide variety of home loans in Grand Rapids, Michigan. You’re welcome to read up below, or contact a Loan Officer (hint: they’re the expert!).

FHA

Grand Rapids FHA Loans are a fantastic option for buyers in need of flexibility in mortgage requirements. In Grand Rapids, the Federal Housing Administration’s program offers a low down payment option starting at 3.5% down.

Learn more

FHA

Conventional

Grand Rapids Conventional Loans are the golden standard in home loans —with few restrictions on price and location, paired with a 3% minimum down payment, Conventional Loans in Grand Rapids are, by far, the most popular home loan.

Learn more

Conventional

RD

Grand Rapids RD Loans, also known as USDA, are specialty loans reserved for rural areas. Program qualifications for RD Loans are flexible and the minimum down payment is 0% down. RD Loans in Grand Rapids are subject to location restrictions.

Learn more

RD

VA

Grand Rapids VA Loans are reserved specially for United States Veterans & active service military. From the Department of Veterans Affairs, VA loans require no down payment, no mortgage insurance, and offer favorable loan terms.

Learn more

VA

Bridge

Treadstone’s Grand Rapids Bridge Loan allows homebuyers to purchase a new home, without selling your current home first, or placing a deal-breaking contingency on your purchase.

Learn more

Bridge

Refinance

As the expert mortgage lender in Grand Rapids, Treadstone has what it takes refinance your home at record speed and record ease. If we knew how to make refinances any better, we’d do it.

Learn more

Refinance

Treadstone Advantages for Grand Rapids Buyers

Home loans might end at closing, but Treadstone offers a range of tools, services, and resources for Grand Rapids home buyers that last far beyond the closing table.

Homebuyer Documentation Checklist

Pre-Approval Documentation Checklist

Required

If Applicable

The Home Buying Process

1. Figure Out Your Budget

2. Collect Your
Documents

3. Mortgage
Pre-Approval

4. Start House Hunting

5. Make An Offer
On Your Home

6. Your Offer
Gets Accepted

7. Close On
Your Home

8. Enlightened Homeowner

Grand Rapids Home Loan Programs

FHA

FHA

Conventional

Conventional

RD

RD

VA

VA

Bridge

Bridge

Refinance

Refinance

Treadstone Advantages for Grand Rapids Buyers

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