If your credit has been "frozen," please un-freeze it from all three repositories, for approximately 30 days/1 month. If your loan is not closed within 30 days, you will need to un-freeze it again before closing. There is no charge to freeze & unfreeze your credit.
Most Recent 30 days of pay stubs
W-2s for the most recent 2 years
Federal tax returns for the most recent 1-2 years (based on loan requirements), all pages, personal & business, including K-1's if applicable
Bank statements & investment accounts for the past two months
Retirement account statements for the past two months or the most recent quarter if they cycle quarterly
Make and model of vehicles you own and their approximate resale value
Child support or alimony being paid = provide divorce decree, separation agreement / support orders.
Child support or alimony being received - only needed if using this income for qualifying = provide divorce decree, separation agreement / support orders.
If there have been past credit issues, such as bankruptcy, foreclosure, or short sale - provide documentation for whatever applies and a signed & dated letter of explanation for the reason that caused this.
If you are a veteran and wanting a VA loan, please provide your DD214.
If you currently own Real Estate:
Most recent mortgage statement for all properties owned
Home insurance declaration page from policy for all properties owned - The declaration page lists agent contact information, premium & dates of the policy period
Home equity or 2nd mortgage (if applicable) - If you will be keeping the Home equity loan or 2nd mortgage please provide a copy of the note for this loan.
ACADEMY NATIONAL MORTGAGE CORPORATION - NMLSR #191799
SERVING ALL OF COLORADO
Phone: 303.987.0622 / Cell/Text: 303.902.0082
Fax: 303.312.1017