First of all, we recommend fill out your loan application completely. You may use our online forms to expedite the process. Also, please respond promptly to any requests for additional documentation especially if your rate is locked or if your loan is to close by a certain date.

The following are some recommendations to follow:

PLEASE DO

• Remember that we must run your credit at loan closing to show no new debts have been incurred
• Keep a paper trail of any large deposits to your bank accounts
• Maintain your current employment and number of hours worked- what we have used to qualify you for your new loan
• Remember that your employment will be checked on the day of loan closing and any change could result in your loan being delayed or denied
• Know that we want to work with you and make your mortgage happen as smoothly and painlessly as possible

PLEASE DON’T:

• Open ANY new credit, for yourself or as a co-signer
• Close ANY open lines of credit (this could affect your credit score)
• Make any new major purchases (you could deplete your cash assets)
• Pay off all debt (every move you make with your money may have an impact on your loan qualification)
• Increase your existing loan balances
• Spend ANY of the funds you have said you will retain for down payment and reserves
• Allow your credit to be checked by any other creditor
• Make ANY large deposits to your asset accounts that cannot be traced
• Change jobs