William Miller,
Mortgage Advisor

Grand Rapids area
616-719-9542

Kalamazoo area
269-978-7028

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1. Complete an application:  Apply online  |  Downloadable PDF (24k)
As we begin the loan process, I will ask you to provide detailed information about yourself, including your income and current debts. Also I like to find out how large a loan you are seeking as well as what you can afford to pay each month. To help you determine what you can afford, we've provided a simple Mortgage Loan Repayment Calculator for your convenience. Once we have your information in hand, we can begin to explore which type of loan may be best for you.

To begin the application process, you can use our online form, our downloadable PDF form (24k, ) or you can call me to set up a personal meeting.

2. Provide the necessary documentation
Once we have determined the loan amount for which you qualify, it will be necessary for you to provide the documentation that we will need in order to complete the loan process. For a list of the types of documentation we might need, please click here.

3. Close on your loan
After all your documentation is processed, title insurance is ordered and a final review of all approval contingencies or conditions are checked. If the funding bank has all of the information they need and you are approved, we schedule a date to close on the loan. At the closing, you will be "funded" the loan with a cashier's check, draft or wire transfer in exchange for the title to the property. This is the point when your hard work with me is done and it's time for you to relax and smile!