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Your New Home is Waiting

The AAC Credit Union Mortgage Department takes great pride in prompt, helpful service. Whether you are a first time home buyer, or you’ve done this before, we are here to guide you every step of the way.

Contact an AAC Loan Representative at 800-858-1633, or

APPLY HERE

Documentation Needed for Mortgage

Your loan officer will need the following document to begin the loan process:

Most current pay stubs with a year to date total.
Previous 2 years W-2s for all borrowers.
If self-employed, copy of your last two years Federal Tax Returns with all schedules.
If you own more than 25% of the company and do not file a schedule C on your personal returns please also submit the last two years of your Federal Corporation or Partnership tax returns with all schedules and K-1s.
If you are retired or receive disability we will need a copy of your Social Security award letter.
If you receive pension or retirement funds monthly we will need a copy of your current pay stub or statement showing your monthly amount.
Most current two months of bank statements with all pages. Computer “screen shots” are not acceptable.
Most current investment, retirement or 401k statement with all pages if you have any of these accounts.

If your loan will be a refinance of your current residence the loan officer will need:

Copy of your current home owner’s insurance declaration page showing your current coverage, agent’s name and phone number and the annual premium amount.

If applicable the following will be needed for both purchase and refinance:

Copy of your divorce decree.
Copy of your child support court order

Still Have Questions?

Complete the short form below and one of our local experts will connect with you soon to talk through your needs and answer your questions. No pressure. No obligation. Just clear answers.

Your Home Team

Denise Bergsma

Mortgage Services Manager

dbergsma@goaac.com

616-459-4429 Ext. 415

NMLS #2069537

CONNECT WITH DENISE

Karen Stein

Mortgage Specialist

kstein@goaac.com

616-842-3147 Ext. 414

NMLS #480558

CONNECT WITH KAREN