Getting a mortgage
should be easier.

Count on us.

We want to make this process easier. These Do’s and Don’ts will help avoid delays with your loan approval and closing – so you can get home sooner.

Don't

  • Don’t apply or take out new credit cards, auto loans, or other loans until after your closing date
  • Don’t make any unverifiable or undocumented deposits into your checking or savings accounts
  • Don’t pay off a collection or charge off account
  • Don’t close any credit card accounts
  • Don’t consolidate your debt onto 1 or 2 credit cards
  • Don’t transfer funds from your business account to your personal account
  • Don’t dispute anything on your credit report
  • Don’t quit your job or start a new company
  • Don’t take cash advances on credit cards

Do

  • Do provide all requested information and documents quickly
  • Do keep your files current with the recent copies of your pay stubs and bank statements
  • Do continue to make all payments on credit cards, loans, and rental or mortgage accounts
  • Do keep your balances low on credit cards, even if you pay them off in full every month
  • Do realize your credit may be reviewed up to the closing date
  • Do use your personal checking account to write the earnest money check for your purchase
  • Do call your loan officer if you have any questions

Ready to take the next step?

Get in touch with one of our loan officers. They will give you all they’ve got to get you home.

Want to learn more about the homebuying process?