Financing Checklist & Lenders

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
Financing Checklist

Watts Realty Team recommended Lenders

Financing application

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

The Watts Realty Team 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.


Mercantile Bank
107 W. Michigan Ave
Kalamazoo, MI 49007
John Rader
517-250-0156 mobile


Lake Michigan Credit Union
435 S. Westnedge Avenue
Kalamazoo, MI 49007
Audrey Andrews
269-978-6120 direct



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

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