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After working with hundreds of families to help get them into their homes, we’ve learned a thing or two along the way. Here is our Do’s and Don’ts of the Loan Process Checklist that will help simplify your journey and prevent any unnecessary delays.
Continue living at your current residence.
Keep all of your personal documents (to include pay stubs, bank statements, proof of earnest money deposit and other docs that may be required prior to closing).
Let us know immediately if there is any change in your employment, income and asset status.
Make loan and other debt payments on time. Stay current on all existing accounts.
Make sure you can explain any credit blemishes and credit inquiries.
Research and line up a homeowners insurance policy.
DON'T change jobs.
DON'T change your sources of closing funds, change bank accounts or transfer balances from one account to another.
DON'T deposit large amounts of cash into your bank account without proper documentation.
DON'T make any major purchases, apply for new credit or loans, or co-sign for any loans. Don't enter into any deferred payment plans.
DON’T acquire any NSF (Non-Sufficient Funds / Overdraft) fees from your bank.
DON’T close any revolving credit accounts, pay off any charge off accounts, collections, loans, credit cards or consolidate your debt.