With Luminate Michigan, the loan approval process has never been as easy. We offer a variety of secure and convenient application options:

1. Complete Secure 1003 Application
   • Formal Loan Application
2. Call us at (248) 633-8555
   • We will gladly take your application over the phone and assist you with any questions you may have.
3. Download Application
   • Download this FREE application now and simply mail it, fax it, or bring it to the office.
4. Documents needed
   • Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
   • Names/addresses of employers for past two years
   • W2s for past two years
   • Two years of tax returns may be required once your income is reviewed
   • Bank statements for past two months
   • If self-employed, year-to-date profit and loss statement, plus signed tax returns for last two years
   • If applicable:
     • Proof of pension income
     • Social Security and Disability payments
     • Child support or alimony payments
     • Divorce decree and/or child support order
     • A copy of earnest money deposit for purchases
     • Information on debts such as car loans, student loans and credit cards may be requested
     • Security accounts (stocks, bonds, life insurance), if liquidating for required funds