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Below are the documents you and your co-borrowers may need for pre-approval & mortgage application. Additional documents may also be needed later in the process. 

Please make sure that you provide the following on the application:
  • Social Security numbers and Date of Birth for all applicants
  • 2-year work history
  • 2-year residency history
If you are listing the following income on your application, use the checklist below to determine what documents you need:
  • Paystub/W2 (base income only)
    1-Month consecutive pay stubs
    Most recent W2
  • Borrowers Using Over-Time, Commission or Bonus Income to Qualify
    Last pay stub of the previous 2 years (ex. Last paystub in December of the previous years) and the last two year's W2s 
  • Self-Employed
    Schedule C income—Most recent 2 years’ personal tax returns with all schedules
    1120s/K1 income—Most recent years’ business tax returns with all schedules
  • Rental Income
    Most recent years’ personal tax returns with Schedule E
    Most recent tax & insurance bills and current mortgage statement for each property
  • Retirement Income
    Most recent years’ 1099R
    1-Month bank statements to confirm receipt of retirement income
    Current Benefit/Award letter
mortgage-documents-320x400

For more information about any of the home equity options that The State Bank offers contact us or stop in to one of our local branches for a consultation.

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*Based upon number of approved loans for the SBA fiscal years ending September 30, 2020, 2021, 2022 & 2023. Subject to credit approval.

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  State Fenton Award

CUSTOMER SERVICE: (800) 535-0517

MORTGAGE SERVICE: (810) 616-7887

Routing #072403350

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Attention Business Online Banking Customers
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New Year’s Eve 12/31/24: All ACH files must be submitted b 4:00pm for settlement on 1/2/25.

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