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May 03, 2018
Now that you’ve been pre-approved for a mortgage, the fun part begins — house hunting! To make your homebuying experience as stress-free as possible, we’ve put together a list of important “do’s and don’ts” to ensure your home loan stays on track.

DO: Keep your financial records organized and at the ready. If you don’t have access to your bank accounts online, sign up ASAP so your statements are always at hand.

DON’T: Apply for new credit, charge up credit cards, make any major purchases (such as a car), or take out a new loan. Good things come to those who wait.

DO: Return all requested documentation promptly. When you receive new pay stubs and bank statements, be sure to provide them as quickly as possible so your file stays up to date.

DON’T: Deposit large, unsourced sums of money into your bank account or pay off collections, loans, or credit cards without consulting us first. Doing so could raise a few flags.

DO: Continue making your mortgage or rent payment — and keep making it on time!

DON’T: Quit your job, change jobs, or do anything that could potentially reduce your income. It could put a halt to your eligibility.

DO: Remain current on all existing credit accounts.

DON’T: Take advice from non-professionals. While friends and family have the best intentions, sometimes information can become muddled. It may not even apply to your situation.

Keep in mind that this list is just a starting point. If you’re hesitating on making any decision because you feel it could adversely affect your eligibility, contact us immediately. The mortgage loan and subsequent homebuying process should be a happy, painless experience. We look forward to helping you get into the home of your dreams!

Mortgage process best practices