Raymond Denton

NMLS# 251483

Loan Officer / HECM Specialist

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Tips for a Simple Loan Approval
By Academy Mortgage Corporation

Here is a list of useful tips to facilitate an effortless loan process. These DO’s and DON’Ts will help you avoid any delays and costly challenges with your loan approval.

If you encounter a special situation like identify theft, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.



DO call us if you have any questions.

DO provide requested documentation promptly and in its entirety.

DO continue living at your current residence.

DO continue making your mortgage or rent payments.

DO continue to use your credit as normal.

DO keep working at your current employer.

DO keep your same insurance company.

DO stay current on all existing accounts.

DO expect requests for additional documentation throughout the loan process.

DO let us know if you will be receiving gift money before it is deposited into your account.



DON’T change your employment status.

DON’T make any major purchases (car, furniture, jewelry, etc.).

DON’T change bank accounts.

DON’T make any large cash deposits into your bank accounts.

DON’T transfer any balances from one account to another.

DON’T close any credit card accounts.

DON’T consolidate your debt onto one or two credit cards.

DON’T apply for new credit or open a new credit card.

DON’T max out or overcharge on your credit card accounts.

DON’T take out a new loan or co-sign on a loan.

DON’T pay off any loans or credit cards, charge offs, or collections without discussing it with us first.

DON’T finance any elective medical procedure.

DON’T join a new fitness club.

DON’T open a new cellular phone account.

DON’T have your credit pulled or dispute any information on your credit report.

DON’T pack away or store any important documents, even if they aren’t initially requested.


Let us show you how simple securing a home loan can be.

NMLS# 251483

State Lic: CA: CA-DBO251483;

Corp Lic: CA: 4170013;

Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act;