Do's & Don'ts

To help make the home loan process as smooth as possible, there are some best practices and rules to follow that are strongly recommended. To help avoid delays with your loan approval, we have created a short list of Do's and Don'ts of things that will have an impact on the process that you should be aware of.

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  • DO continue making your mortgage or rent payments
  • DO stay current on all existing accounts
  • DO keep working at your current employer
  • DO keep your same insurance company
  • DO continue living at your current residence
  • DO continue to use your credit as normal
  • DO call us if you have any questions
  • DON'TS

  • DON'T make a major purchase (car, boat, fur, jewelry, etc.)
  • DON'T apply for new credit even if you seem "pre-approved"
  • DON'T open a new credit card
  • DON'T transfer any balances from one account to another
  • DON'T pay off charge offs without discussing with us first
  • DON'T pay off collections without discussing with us first
  • DON'T buy any furniture
  • DON'T close any credit card account
  • DON'T change bank accounts
  • DON'T max out or over charge your credit card accounts
  • DON'T consolidate your debt onto 1 or 2 credit cards
  • DON'T take out a new loan
  • DON'T start any home improvement projects
  • DON'T finance any elective medical procedure
  • DON'T open a new cellular phone account
  • DON'T join a new fitness club
  • DON'T pay off any loans or credit cards without discussing with us first
  • DON'T co-sign any loans or credit cards for anyone (including family members)
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    Fill out the form below or call us and a Loan Originator near you will reach out to answer any questions you may have, or assist you with the application process.