Nancy Guzman is an Expert Realtor for the Metro Denver Colorado area, who can help you decide where to live.  Because, Nancy understands finding your special place means taking in many factors that include accessibility to work, education and recreational activities.  It also includes the size and style of your home, the style of the neighborhood that will make you feel more at home.  All of these factors must come together to make your new Metro Denver Colorado home, feel like home.

Please have copies of all the following items ready when you meet with your loan officer:

Income:

• Two year employment history with addresses, phone numbers, length of time on jobs, plus income.

• Two most recent paystubs and two years tax returns, including W-2 forms.

• Verification of other income, such as stock dividends, child support, etc.

• If self-employed or commissioned, furnish past two years tax returns, include all schedules and a profit/loss statement for current year.

Assets:

• Last three months bank statements for all checking, savings, CD's, stock and 401 K's.

• Year, make, model and current market value of all cars, boats, RV's, etc.

Creditors:

• Credit Cards: Account numbers, current balances (including any with "0" balance), and minimum monthly payments.

• Installment Loans: Account numbers, current balances and payments.

• Mortgage Loans: Names and address of lender, account number, loan balance and payment on all properties currently owned or sold within the last five years; bring settlement sheets and warranty deeds on properties sold.

• Name, address and phone number of landlord.

Other:

• Divorce decrees signed by Judge and separation agreement, including all modifications.

• Sales contract on the new home you are purchasing and Realtor's brochure.

• Sales contract/listing agreement on your present home.

• Check for appraisal and credit report.

VA Loans Only:

• DD214 and Certification of Eligibility.

• Name, address, phone number and weekly cost for child care provider.