TIPS FOR A SMOOTH LOAN APPROVAL 

FREEZE YOUR CREDIT!  Once you’ve applied for your mortgage, it is crucial that you don’t do ANYTHING affecting your credit until AFTER the loan closes.  Your credit will be pulled again right before closing, and ANY new inquires, accounts or changes can kill your loan!  If another mortgage company tries to make it sound easy by not telling you this, run - don't walk - RUN the other way. (Click here for directions to our local office)

DO continue making your mortgage or rent payments (on time) 

DO stay current on all existing accounts

DO keep working at your current employer

DO keep your same insurance company

DO continue living at your current residence

DO call us if you have any questions 

DO NOT make any major purchases (car, boat, jewelry, fur, etc.)

DO NOT buy a fridge/washer/dryer on credit prior to your loan closing

DO NOT apply for new credit (even if you are pre approved)

DO NOT open any new credit card

DO NOT transfer any balances from one account to another

DO NOT pay charged off balances without prior discussion with us

DO NOT pay collections accounts without prior discussion with us

DO NOT buy any furniture

DO NOT close any credit accounts

DO NOT change bank accounts

DO NOT max out or go over limit on any credit card accounts

DO NOT consolidate your debt onto 1 or 2 credit cards

DO NOT take out a new loan

DO NOT start any home improvement projects

DO NOT finance any elective medical procedures

DO NOT open a new cellular phone account

DO NOT join a new fitness club

DO NOT pay off any loans or credit cards without discussion with us 

If you encounter any special situations that could affect your credit, it is best to discuss it with us immediately so that we can help you determine the best way to achieve your goals!