Do's & Dont's

When you begin the process of purchasing or refinancing a home, there are a few general “rules of thumb” that can help the process go more smoothly.


  • Stay current on existing accounts
  • Contact your mortgage advisor with any questions


  • Change jobs, quit your job or become self-employed
  • Buy a car, truck or van (or you may be living in it)
  • Use credit cards excessively or let current accounts fall behind
  • Spend money you have set aside for closing costs or down-payment
  • Omit debts or liabilities from your loan application
  • Buy furniture
  • Originate any inquiries into your credit
  • Make large cash deposits without checking with your mortgage advisor
  • Change banking accounts
  • Co-sign a loan for anyone
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