1<!DOCTYPE html> 2<html lang="en"> 3<head> 4 <meta charset="utf-8" /> 5 <meta name="viewport" content="width=device-width, initial-scale=1.0" /> 6 <!-- Favicons --> 7 <link href="/images/favicon.ico" rel="icon"> 8 <title>Preparing to Apply - HomeAmerican Mortgage Company</title> 9 <link rel="stylesheet" href="/lib/bootstrap/dist/css/bootstrap.min.css" /> 10 <link rel="stylesheet" href="/scss/hmc_styles.min.css?v=A8HYk3tcsGeh0QDesRpCoZ8qj3OwmarIA46MiwtHhLo" /> 11 <link rel="stylesheet" href="/css/jev4msy.min.css"> 12
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12 13 14</head> 15<body> 16 17<!-- SEARCH modal --> 18 19 20 21<!-- NAV modal --> 22<div class="modal modal-top fade" id="navmodal" tabindex="-1" aria-labelledby="navmodalLabel" aria-hidden="true"> 23 <div class="modal-dialog"> 24 <div class="modal-content"> 25 <div class="menu__header m-3 mb-0"> 26 <button type="button" class="btn-close" data-bs-dismiss="modal" aria-label="Close"></button> 27 </div> 28 29 <div class="modal-body p-6 pt-0 mb-4"> 30 <div class="accordion accordion-flush" id="mainnavaccordion"> 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> 34 </div> 35 36 </div> 37 38 </div> 39 </div> 40</div> 41 42<header class="container"> 43 44 <nav 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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, landlordâs 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 & donâts </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! Whereâs my credit score?</span> 272 Because credit formulas vary, your free credit report wonât include a credit score. You may be able to obtain FICO<sup>®</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 creditâtwo 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 youâve 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, itâs best to wait until youâve closed on your loan. Even if youâve 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> 401 402 403 404<div class="cta-banner" style="background-color: #000000 !important; background: #000000 !important;"> 405 <div class="cta-banner__inner"> 406 <div class="cta-banner__image"> 407 <a href="https://online.flippingbook.com/view/33855570/" target="_blank"><img src="/images/hmc_flipbook_mortgageGuide.jpg" alt="HMC Flipbook text" /></a> 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> 411 <a class="cta-banner__button" href="https://online.flippingbook.com/view/33855570/" target="_blank" style="background-color: #5d524a !important; color: #ffffff !important;"> 412 Get our free guide here 413 </a> 414 </div> 415 </div> 416</div> 417 418 </article> 419 420 </section> 421</div> 422 <div b-ixeeppyehq class="rellax hidden"></div> 423 </main> 424 </div> 425 <footer class="footer container mt-12"> 426 <div class="footer__wrap"> 427 <div class="u-width-100"> 428 429 <nav class="footer__nav"> 430 431 <!-- MOBILE FOOTER--> 432 <div class="u-hidden-desktop accordion accordion-flush" id="mobilefooteraccordion"> 433 <a class="nav-link text-dark" href="/about-home-loans">About Home Loans</a> 434 <a class="nav-link text-dark" href="/preparing-to-apply">Preparing to Apply</a> 435 <a class="nav-link text-dark" href="https://myhomeamerican.com/ilsweb/" target="_blank"><b>Apply</b></a> 436 <a class="nav-link text-dark" href="https://www.richmondamerican.com/careers/mortgage-and-insurance" target="_blank">Careers</a> 437 438 <div class="accordion-item"> 439 <h2 class="accordion-header"> 440 <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#mobilefooteraccordion-collapseOne" aria-expanded="false" aria-controls="mobilefooteraccordion-collapseOne"> 441 Privacy 442 </button> 443 </h2> 444 <div id="mobilefooteraccordion-collapseOne" class="accordion-collapse collapse" aria-labelledby="flush-headingOne" data-bs-parent="#mobilefooteraccordion"> 445 <div class="accordion-body"> 446 <ul> 447 <li><a href="/privacy-policy">Privacy policy</a></li> 448 <li><a href="https://www.richmondamerican.com/terms-conditions" target="_blank">Terms & conditions</a></li> 449 <li><a href="/CA-foreclosure">California Foreclosure help</a></li> 450 </ul> 451 </div> 452 </div> 453 </div> 454 <div class="accordion-item"> 455 <h2 class="accordion-header"> 456 <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#mobilefooteraccordion-collapseTwo" aria-expanded="false" aria-controls="mobilefooteraccordion-collapseTwo"> 457 Affiliates 458 </button> 459 </h2> 460 <div id="mobilefooteraccordion-collapseTwo" class="accordion-collapse collapse" aria-labelledby="flush-headingTwo" data-bs-parent="#mobilefooteraccordion"> 461 <div class="accordion-body"> 462 <ul class="u-list-none footer-nav__list mb-14"> 463 <li><a href="https://www.shawood.com" target="_blank" title="SHAWOOD">
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