Financing

With the excitement of buying a home, we sometimes forget what a financial institution may require at loan time. At Watts Realty 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

• Keystone Community Bank
  Karen S. Newland        
  107 W. Michigan Ave        
  Kalamazoo, MI  49007        
  ( 269) 373-3429
  knewland@keystonebank.com          
  
  Derek Naylor        
  6405 S. Westnedge Ave        
  Portage, MI  49002        
  (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

• 4205 S. Westnedge Avenue
  Kalamazoo, MI 49008
  Kelli M. DeWitt (269) 553-2260 Ext 223
  kelli.dewitt@bankofamerica.com
• National City
  108 East Michigan (downtown)
  Kalamazoo, MI 49007
  Shirley Morford (269) 376-9128
  

• Lake Michigan Home Mortgage

  487 S. Drake, Suite A

  Kalamazoo, MI  49008

  Ryan Rarick (269) 271-4276 Cell

  (616) 643-0668 Fax

  ryan.rarick@lmcu.org

• Wells Fargo

  7898 Oakland Drive

  Portage, MI 49024

  Phone: (269) 323-8161 

  Fax: (269) 323-8121

Steven Wolszyk (Wa-LUSH-ick)

steven.c.woloszyk@wellsfargo.com

"Licensed in the State of Michigan"