The Do’s When Financing A Home
These are suggestions not necessarily recommendations. Please consult with you Loan Officer for more details.

  • Get pre-approved for a loan
  • Set a realistic budget
  • Have all your required documentation in place
  • Prepare to verify your income and assets
  • Prepare to verify your income and assets
  • Let us know if your down payment is a gift
  • Continue to pay all of your bills on time
  • Make sure that your earnest money check comes from funds withdrawn under your own bank account
  • Start shopping for homeowners insurance
  • Contact us if you think any of these don’ts shared below are unavoidable. We can help you determine the right course of action that may provide the least impact on your home loan process.

The Don'ts When Financing A Home
These are suggestions not necessarily recommendations. Please consult with you Loan Officer for more details.

  • Change jobs, quit your job or become self-employed
  • Buy or trade in a vehicle
  • Increase debt/balances or miss payments
  • Spend money you have set aside
  • Omit debts or liabilities from your loan application
  • Buy furniture or appliances
  • No new loans, credit cards, or lines of credit
  • Change bank accounts
  • Co-sign any loan
  • Use cash for your down payment or earnest money
  • Wire closing funds (Until you speak directly with our office for information first)

Homebuying Essentials

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