Mortgage Preparation in Albuquerque, NM

Step 1: Pre-Qualification

Request a Mortgage Loan Quote

Contact us to learn how much you can afford and receive the documentation you’ll need to help shop for a home.

Your To-Do List
  • Provide us with the necessary documentation to provide you with a pre-qualification letter
Our To-Do List
  • Help you understand your options
  • Set expectations for the mortgage application process
  • Provide you with a pre-qualification letter and to-do checklist

You’re done when you receive your pre-qualification letter.

Step 2: Shopping

Use your pre-qualification letter to shop for a home and negotiate a purchase contract.

Your To-Do List
  • Give your pre-qualification letter to your real estate agent
  • Contact us and submit your signed purchase contract
Our To-Do List
  • Offer guidance and answer questions on the mortgage process

You’re done when you contact us and submit a signed purchase contract.

Step 3: Documentation

Once you’ve selected a property, collect and submit required documents, such as pay statements, bank statements, and tax returns, along with your application packet.

Your To-Do List
  • Start gathering documents outlined in your application package
  • Lock in your interest rate when you’re ready
  • Complete and return your application packet
Our To-Do List
  • Send you an application packet
  • Provide status updates
  • Order an appraisal
  • Assign a mortgage processor

You’re done when you return your application packet and documents on your to-do checklist.

Step 4: Review

Stay informed and be responsive to requests from us as we review and evaluate your application. More information may be required to support items already submitted.

Tips & Advice: Keep documents on hand in case they need to be referenced again.

Your To-Do List
  • Submit additional documents, if requested
Our To-Do List
  • Review appraisal
  • Confirm documents provided are accurate and complete
  • Provide status updates
  • Provide a final decision

You’re done when you receive final approval from us.

Step 5: Closing

Review your closing costs and confirm your closing date and time.

Tips & Advice: A certified check or wire transfer will be required to pay your closing costs.

Your To-Do List
  • Review your HUD-1 settlement statement
  • Review and sign closing documents
  • Pay your closing costs
Our To-Do List
  • Prepare documents and coordinate with the title company
  • Set expectations for closing day

You’re done when you sign your closing documents and receive the keys to your home.


  • Keep documents and statements readily available
  • Provide all pages of requested documents
  • Let us know of changes to your income, assets, or purchase contract
  • Let us know if you or any co-borrower will be unable to attend the closing; a power of attorney may be required


  • Don’t make unnecessary money transfers between your accounts; this may require additional documentation and may result in closing delays
  • Don’t let your good credit rating slip; this can happen when you miss bill payments, open new credit accounts, or charge major purchases on current lines of credit
Academy Mortgage Services Inc.
2800 San Mateo Blvd., N.E.
Suite 101
Albuquerque, NM 87110
Phone: 505-265-1271
Fax: 505-265-3574
Tommy Martinez NMLS#192577
Mary Ann Martinez NMLS#192493
Academy Morgage NMLS #191392
Equal Housing Lender New Mexico Association Logo BBB Accredited Business Albuquerque 64