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31                    <a class="nav-link" href="/about-home-loans">About Home Loans</a>
32                    <a class="nav-link" href="/preparing-to-apply">Preparing to Apply</a>
33                    <a class="ml-8 btn btn--primary" href="https://myloan.homeamericanmortgage.com/homehub/login" target="_blank">Apply</a><a class="ml-8 btn btn--primary" href="https://myhomeamerican.com/ilsweb/" target="_blank">Make a Payment</a>
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117            </a>
118            <div>
119                <a class="btn btn--primary top-nav-button" href="https://myhomeamerican.com/ilsweb/" target="_blank">Make a Payment</a>
120                <button data-bs-toggle="modal" data-bs-target="#navmodal" type="button" class="u-btn-clear nav-toggle" aria-label="open menu" title="Navigation icon">
121                    <!--!--><span class="nav-toggle__bar nav-toggle__bar--top"></span>
122                    <span class="nav-toggle__bar nav-toggle__bar--middle"></span>
123                    <span class="nav-toggle__bar nav-toggle__bar--bottom"></span>
124                    <!--!--><span class="u-sr-only">Menu</span>
125                </button>
126            </div>
127        </div>
128    </nav>
129</header>
130    <div b-ixeeppyehq class="site-wrap">
131        <main b-ixeeppyehq role="main">
132            
133<div class="holder">
134    <div class="u-hidden-mobile">
135        <nav aria-label="Breadcrumb">
136            <ol class="breadcrumb">
137                <li class="breadcrumb__item"><a href="/">Home</a></li>
138                <li class="breadcrumb__item breadcrumb__item--current">Preparing to Apply</li>
139            </ol>
140        </nav>
141    </div>
142
143    <section>
144        <h1>Preparing to Apply</h1>
145
146        <article title="Checklist">
147            <h2>Borrower's checklist</h2>
148            <p>To set yourself up for a smooth process, we recommend gathering all your paperwork prior to applying for your loan. This checklist can help!</p>
149
150            <table class="table table-bordered mb-10">
151                <thead>
152                    <tr>
153                        <th style="background-color:#d6d1ca;">Income</th>
154                    </tr>
155                </thead>
156                <tbody>
157                    <tr>
158                        <td>W-2s or 1099s for the previous two years for each borrower</td>
159                    </tr>
160                    <tr>
161                        <td>Paycheck stubs covering the most recent 30 days for each borrower</td>
162                    </tr>
163                    <tr>
164                        <td>
165                            Investment/retirement statements covering the most recent tw
165o months for all accounts
166                        </td>
167                    </tr>
168                    <tr>
169                        <td>Federal tax returns or 1040s for the most recent two years</td>
170                    </tr>
171                    <tr>
172                        <td>Disability, Social Security, or retirement pensions: copy of the awards letter or other documentation of income received from these sources, including evidence of continuance</td>
173                    </tr>
174                </tbody>
175
176                <thead>
177                    <tr>
178                        <th style="background-color:#d6d1ca;">Self-employed income</th>
179                    </tr>
180                </thead>
181                <tbody>
182                    <tr>
183                        <td>Schedule C of your tax returns for the previous two years if you are involved with a sole proprietorship</td>
184                    </tr>
185                    <tr>
186                        <td>K-1 Schedule of your tax returns for the previous two years if you have an interest in a limited partnership</td>
187                    </tr>
188                    <tr>
189                        <td>
190                            Partnership tax returns (IRS Form 1065) for the previous two years if you have a 25% or greater interest in a partnership
191                        </td>
192                    </tr>
193                    <tr>
194                        <td>Corporate tax returns (IRS Form 1130 or 1120) for the previous two years if you have a 25% or greater interest in a corporation, including S corporations</td>
195                    </tr>
196                    <tr>
197                        <td>Signed year-to-date profit and loss statements for your business</td>
198                    </tr>
199                </tbody>
200
201                <thead>
202                    <tr>
203                        <th style="background-color:#d6d1ca;">Account information:</th>
204                    </tr>
205                </thead>
206                <tbody>
207                    <tr>
208                        <td>Bank account statements for the previous two months on all accounts listed on the application</td>
209                    </tr>
210                    <tr>
211                        <td>Gift letter if gift funds will be used for the down payment or closing costs</td>
212                    </tr>
213                    <tr>
214                        <td>
215                            Retirement account statements for the previous two months
216                        </td>
217                    </tr>
218                    <tr>
219                        <td>Bank account statements evidencing clearance of earnest money deposits</td>
220                    </tr>
221                </tbody>
222
223                <thead>
224                    <tr>
225                        <th style="background-color:#d6d1ca;">Miscellaneous:</th>
226                    </tr>
227                </thead>
228                <tbody>
229                    <tr>
230                        <td>Divorce decree: copy of complete, final decree and any other applicable documents</td>
231                    </tr>
232                    <tr>
233                        <td>Child support or alimony: documentation showing 12 months of income received and evidence of 3 years' continuance</td>
234                    </tr>
235                    <tr>
236                        <td>
237                            Bankruptcy/discharge of debtors: copies of documents, including all schedules
238                        </td>
239                    </tr>
240                    <tr>
241                        <td>Relocation papers showing start date, pay, and company buyout, if any</td>
242                    </tr>
243                    <tr>
244                        <td>Letters of explanation for recent credit inquiries or any negative credit entry</td>
245                    </tr>
246                    <tr>
247                        <td>Rental information from the last two years, including property address, dates of residence, landlord’s name, address and phone number </td>
248                    </tr>
249                </tbody>
250            </table>
251            <p>Your loan officer may request additional documentation based on your individual circumstances; responding quickly will help keep everything on schedule! </p>
252
253        </article>
254
255        <article class="mb-0">
256            <h2>Mortgage dos & don’ts </h2>
257            <p>Changes to your credit score and financial situation before your loan receives final approval could throw a wrench in an otherwise smooth process. Here are some ways to avoid that.</p>
258        </article>
259        <article class="dodont steps" title="Do's and Dont's">
260
261            <div class="section">
262                <div class="content">
263                    <div class="lottie rellax" data-rellax-speed="4">
264                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
265                    </div>
266                    <span class="number rellax" data-rellax-speed="1">Do</span>
267                    <div class="steptext rellax" data-rellax-speed="-1">
268                        <h2>check your credit reports</h2>
269                        <p>Avoid surprises! Get a report from each of the three major credit bureaus for free at <a href="https://www.annualcreditreport.com" target="_blank">annualcreditreport.com</a>, even if you think you have perfect credit.</p>
270                        <p>
271                            <span class="highlight">Hey! Where’s my credit score?</span>
272                            Because credit formulas vary, your free credit report won’t include a credit score. You may be able to obtain FICO<sup>&reg;</sup> Scores or VantageScores from the credit bureaus, but you might have to pay.
273                        </p>
274                    </div>
275                </div>
276            </div>
277
278            <div class="section">
279                <div class="content">
280                    <div class="lottie rellax" data-rellax-speed="4">
281                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
282                    </div>
283                    <span class="number rellax" data-rellax-speed="1">Do</span>
284                    <div class="steptext rellax" data-rellax-speed="-1">
285                        <h2>dispute errors</h2>
286                        <p>Credit reporting errors can happen to anyone. Dispute any duplicate accounts, typos, previously discharged debts, incorrect social security numbers or other mistakes you find.</p>
287                        <p>
288                            <span class="highlight">Did you know?</span>
289                            A recent Consumer Reports survey found that over 44 percent of volunteers discovered at least one error in their credit reports.*
290                        </p>
291                    </div>
292                </div>
293            </div>
294
295            <div class="section">
296                <div class="content">
297                    <div class="lottie rellax" data-rellax-speed="4">
298                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
299                    </div>
300                    <span class="number rellax" data-rellax-speed="1">Do</span>
301                    <div class="steptext rellax" data-rellax-speed="-1">
302                        <h2>keep old accounts open</h2>
303                        <p>Closing old accounts can shorten your average account age and decrease your overall available credit—two things that can hurt your credit standing.</p>
304                        <p>
305                            <span class="highlight">Caution!</span>
306                            Paying off an installment debt, like a car loan, could also backfire if it reduces your available credit and average account age more than it improves your debt load.
307                        </p>
308                    </div>
309                </div>
310            </div>
311
312
313            <div class="section">
314                <div class="content">
315                    <div class="lottie rellax" data-rellax-speed="4">
316                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
317                    </div>
318                    <span class="number rellax" data-rellax-speed="1">Do</span>
319                    <div class="steptext rellax" data-rellax-speed="-1">
320                        <h2>pay bills on time</h2>
321                        <p>
322                            The better your record for paying bills in a timely manner, the better your credit score.
323                        </p>
324                    </div>
325                </div>
326            </div>
327
328
329            <div class="section">
330                <div class="content">
331                    <div class="lottie rellax" data-rellax-speed="4">
332                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
333                    </div>
334                    <span class="number rellax" data-rellax-speed="1">Do</span>
335                    <div class="steptext rellax" data-rellax-speed="-1">
336                        <h2>avoid bankruptcy</h2>
337                        <p>
338                            Filing for bankruptcy can lower your credit score more than almost anything else.
339                        </p>
340                    </div>
341                </div>
342            </div>
343
344            <div class="section">
345                <div class="content">
346                    <div class="lottie rellax" data-rellax-speed="4">
347                        <dotlottie-player src="/images/step5_approval_updated.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
348                    </div>
349                    <span class="number rellax" data-rellax-speed="1">Do</span>
350                    <div class="steptext rellax" data-rellax-speed="-1">
351                        <h2>maintain steady employment</h2>
352                        <p>
353                            Lenders like to see two years of employment in the same line of work. Try to avoid switching jobs until after you’ve got the keys!
354                        </p>
355                    </div>
356                </div>
357            </div>
358
359
360            <!-- DONT -->
361            <div class="section">
362                <div class="content">
363                    <div class="lottie rellax" data-rellax-speed="4">
364                        <dotlottie-player src="/images/step7_stophand.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
365                    </div>
366                    <span class="number rellax" data-rellax-speed="1">Don't</span>
367                    <div class="steptext rellax" data-rellax-speed="-1">
368                        <h2>apply for new credit cards or loans</h2>
369                        <p>
370                            Just as closing old accounts can shorten your average account age, so can opening new ones. Every point on your credit score counts when shopping for the best mortgage rates!
371                        </p>
372                    </div>
373                </div>
374            </div>
375
376            <!-- DONT -->
377            <div class="section">
378                <div class="content">
379                    <div class="lottie rellax" data-rellax-speed="4">
380                        <dotlottie-player src="/images/step7_stophand.json" background="transparent" speed="1" loop autoplay></dotlottie-player>
381                    </div>
382                    <span class="number rellax" data-rellax-speed="1">Don't</span>
383                    <div class="steptext rellax" data-rellax-speed="-1">
384                        <h2>make major purchases</h2>
385                        <p>
386                            As tempting as it may be to buy new furniture for your new house, it’s best to wait until you’ve closed on your loan. Even if you’ve been preapproved, last-minute changes to your credit history can derail your plans.
387                        </p>
388                    </div>
389                </div>
390            </div>
391            <div>
392                <small class="py-3">
393                    <em>
394                        *Source: consumerreports.org, <a href="https://www.consumerreports.org/money/credit-scores-reports/serious-mistakes-found-in-credit-reports-a1061511185/" target="_blank">More Than a Quarter of People Find Serious Mistakes in Their Credit Reports, Study Shows</a>; By Lisa L. Gill; Retrieved November 11, 2024
395
396                    </em>
397                </small>
398            </div>
399        </article>
400        <article>
401
402
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408        </div>
409        <div class="cta-banner__content">
410            <a href="https://online.flippingbook.com/view/33855570/" target="_blank"><p class="cta-banner__heading">Looking for more tips and tools to demystify your mortgage experience?</p></a>
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412                Get our free guide here
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417
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511
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529
530                <p>
531                    You can also send any notice of error or information request with your loan number, name and details to:<br />
532                HomeAmerican Mortgage Corporation<br />
533                4350 S. Monaco Street, Suite 100<br />
534                Denver, CO 80237<br />
535                ATTN: Servicing Department
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556                HomeAmerican Mortgage Corporation is a residential mortgage loan company. HomeAmerican Mortgage Corporation's principal offices are located at 4350 S. Monaco Street, Suite 100, Denver, CO 80237. HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Arizona Mortgage Banker license #0009265. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. In Nevada, all advertised loans are offered and funded by HomeAmerican Mortgage Corporation, which can be contacted at 770 E. Warm Springs Road, Suite 250B, Las Vegas, NV 89119, 702.638.4450, License #67. Oregon License # ML-5694.
557            </p>
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