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Documents to Expediate Application Process

  • Past two (2) years W-2 statements
  • Pay Stubs covering the last (30) thirty days
  • Three most recent monthly bank statements
  • Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
  • Copy of the purchase and sale agreement
  • If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord
  • If divorced…a fully executed divorce decree
  • For a refinance...a copy of most recent mortgage statement

    For self employed borrowers, employed in sales, paid by commission, or owns rental real estate:

  • Two (2) years signed personal tax returns - including all schedules
  • If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet

    Different programs require varying amounts of documentation. The loan program you select may require more or less documentation. Please contact us for a free, no-obligation consultation.

From our Consent to Electronic Disclosures

By consenting to receive information electronically at our web site, you will receive the following information and disclosures electronically: ARM, CHARM, and you may receive notices of credit decisions.

You may not apply online unless you accept these disclosures and information electronically.

By clicking the Continue button below, you certify that:

  • To receive this information electronically, access, and retain any disclosures received, you may need a current version of Adobe Reader, please click here if you would like to download a free version.

  • You (i) agree to receive disclosures electronically and confirm that you will download or print the disclosures for your records, (ii) acknowledge that you can access information that is provided electronically at this web site, (iii) acknowledge that such action constitutes your signature to the credit application and the Important Terms of Disclosure Statement and Promissory Note, and (iv) acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible.
Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically nor any damages, including direct, indirect, special, incidental or consequential damages caused by any unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems. If your e-mail address changes, you are required to notify us. If you have questions about these disclosures, you may contact Jennifer Hughley by telephone at 651-766-7048.

You have the option to receive any information provided electronically in paper form. To receive specific information in paper form, please contact us at 651-766-7048 or write to us at MidCountry Bank, 1001 Labore Industrial Court, Suite E, Vadnais Heights, MN 55110. To receive other information in paper form and/or to withdraw previously provided consent please contact us as indicated above. Please specify the information you wish to be provided in paper form and/or to which your withdrawal of consent applies. Your request will only apply to those specific items of information designated by you.

Click to download these documents:
Consumer Handbook on Adjustable-Rate Mortgages
Adjustable Rate Mortgage Loan (ARM) Disclosure Statement

Then to complete our online application, click


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