The Do’s and Dont’s When Shopping for a Mortgage:
- Do Not attempt to obtain new credit after the pre-approval has gone through.
- Do Not miss payments for any installment or revolving debts (for example: car payment, student loan, credit cards, etc.). This will lower your credit score and MAY disqualify you for the mortgage.
- Do Not make any large unexplainable (cash) deposits into your bank account that are not job wages. Any large deposits will need to be explained and documented. Remember to keep copies and records of all transactions.
- Do Not withdraw large sums of money from your bank account.
- Do Not make any changes to your employment status, as we check right up through the closing date.
- Do Not pack up financial papers such as tax returns, W-2’s, bank statements, etc.
- Do notify me of any changes or questions that you feel may affect your qualification.
- Do provide bank statements that have the bank’s name, complete account number, your name, and provide ALL pages for ALL statements.
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