Mortgage Resources

Mortgage Calculators

A mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments.

Use our mortgage calculator to estimate your monthly mortgage payment, including your principal and interest, taxes, insurance, and PMI. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.


Mortgage Document Checklist


  •  Last 2 years Federal tax returns
  • Copy of Extension, if applicable
  • Last 2 years W-2s
  • Paycheck stubs covering the last full 30 days
  • Benefit award letter and last 2 years 1099’s, if retired
  • Rental income- provide mortgage statement and leases

Self-Employed Income

  • K-1’s for any business showing on Schedule E
  • 2 years business returns if more than 25% ownership
  • P&L for any self- employment income/loss
  • Proof of business for schedule C self-employment
  • Previous 1099
  • Business license or CPA letter

Need Help? Contact an Expert Mortgage Banker




Last 2 months asset statement(s) for any asset being used for funds to close or reserves. All pages- if it says page 1 of 6, then provide page 6, even if blank A transaction history is not acceptable:

  • Most recent statement for 401K, Mutual Fund, IRA, and/or investment accounts
  • If funds are coming from a gift, then the following is required:
    • Gift letter signed by all parties (we will provide the form)
    • Copy of donor’s bank statement showing ability to give gift
    • Proof of transfer of funds in the form of a wire confirmation or donor’s canceled check, and proof of deposit into your account
  • If funds are coming from the sale of a home, the fully executed Closing Disclosure will be required

Additional Documents:

  • Copy of current picture identification for each applicant, front and back
  • If you have obligations due to legal actions ( i.e.: child support) bring in judicial decree
  • Complete bankruptcy filing and discharge documents if less than 7 years since discharge
  • Copy of any current mortgage statements and property tax bills from all properties owned
  • Name and number of homeowners insurance agent and/or Homeowner’s insurance policy with paid receipt for one year; or existing policies must be in effect for a minimum of 90 days from the date of funding of this loan

Making Your Dream Home a Reality

As one of Michigan’s leading mortgage lenders, Dart Bank is solely focused on getting our clients to the closing table as quickly and efficiently as possible, every single time. Our expert staff ensures your needs, goals and circumstances are all understood as we guide you through the mortgage process.

Apply Now

We have the loan program choices to fit almost every need. Here are just a few of the options:

  • Fannie Mae and Freddie Mac conventional conforming mortgages
  • Construction Loans
  • Renovation Loans
  • Investment Property Mortgages
  • Jumbo Financing
  • FHA Mortgages
  • VA Mortgages
  • USDA Rural Housing Loans
  • Second Mortgages
  • MSHDA Mortgages
  • Professional Loans

Foreclosure Resources

Find available HUD-approved housing counselors – Call the US Department of Housing and Urban Development at (800) 569-4287 or visit:

US Department of housing and urban development

For additional information about preventing foreclosure, avoiding fraud scams and accessing approved counseling
at no cost to you.

Freddie Mac 

Fannie Mae 


Click below to access the Adjustable Rate Mortgage Consumer Handbook.

ARM handbook