Northern Michigan Mortgage Lender | Kirby and Angie | Arch Mortgage - North

Quick Apply — No SSN Required

Give us a few basics and we’ll follow up with a tailored rate quote and next steps.
Tip: If you’re ready for a full, secure application instead, you can start here: Start Secure Application →
By submitting, you agree we may contact you by phone, text, or email. Standard carrier rates may apply. No SSN required for this form.

Quick Apply FAQs

Short answers you can use right now. For personalized guidance, text or call Angie (616-581-6123) or Kirby (231-709-3136).

What’s the difference between a pre-qualification and a pre-approval?

Pre-qualification is a quick estimate based on the info you provide (and sometimes a soft credit check). It helps you set a budget.

Pre-approval is stronger: we verify income, assets, and credit with documentation and a hard credit pull. Agents and sellers prefer offers with a true pre-approval.

How do I get an official Pre-Approval Letter?

Complete our secure application and upload documents. Once reviewed, we can issue a formal pre-approval letter you can use for offers. Start here: Secure Application →

What documents do I need for a pre-approval?
  • Income (W-2 employees): most recent pay stub and last 2 years of W-2s.
  • Self-employed: last 2 years of full personal and business tax returns (all pages/schedules).
  • Assets: recent bank statements for down payment/closing funds.
  • ID: government-issued photo ID.

We’ll let you know if anything else is needed based on your loan type.

How many years of employment history do I need?

A full two-year history is standard (list all employers and any gaps). Some loan types allow reasonable gaps with explanations.

I have cash at home. Can I use it for my down payment?

No. Cash on hand can’t be sourced, so it isn’t eligible by itself. We verify funds with bank/asset statements. Deposit any cash into your account—funds generally must be seasoned (on statement) before use. Not sure how to handle it? Contact Angie or Kirby and we’ll map the cleanest path.

Can I use a gift from my parents for my down payment?

Yes. Most loan programs allow gifts from eligible donors (e.g., parents, close family). You’ll need:

  • A signed gift letter (we provide the template) stating no repayment is required.
  • Documented transfer of funds (donor bank proof → your account or to title).
  • Sometimes evidence of donor ability (a recent donor statement) depending on program.

We’ll confirm the best method (direct to you vs. to title) for your loan type.

Will this Quick Apply affect my credit?

No. The quick form is for pre-qualification and does not require a hard credit pull. If you move forward to pre-approval, we’ll request authorization for a hard inquiry.

How long is a pre-approval good for?

Typically about 90 days, tied to your credit report date. We can refresh it quickly if you’re still shopping—just send updated docs/pay stubs.

Can I lock my rate before I have a purchase contract?

Sometimes, with special lock programs, but standard locks happen once you have a signed contract (or a submitted refinance application). We’ll advise on timing based on the market.

Self-employed or side-gig income—what should I know?

We generally average the most recent two years of net income (after expenses) shown on tax returns. If last year improved, some programs allow us to focus on the most recent year. Send your returns and we’ll review quickly.

What happens after I submit Quick Apply?

We review your info the same day (business hours) and reach out by phone/text/email. From there, we’ll send a secure link for full application and a tailored document checklist.

Program rules can vary by loan type (Conventional, FHA, VA, USDA, Jumbo). We’ll confirm your exact requirements once we review your scenario.