Tips for a Smooth Closing
  1. Get all required documents to your loan officer asap
    – Your loan officer can’t move forward with your loan unless all required documentation is received
  2. Ask questions
    – If you are unfamiliar with what you are being asked to do, whether it’s a document that you are not familiar with or if you don’t understand how to complete a task your loan officer asks of, please ask for me detail and we will help you get what we need.
  3. Provide us with as much information as possible
    – Too much information is better than not enough information
  4. Make a paper-trail for everything
    – This especially comes into play for any gift funds or liquidation of retirement funds that will be used for down payment
  5. Cash cannot be used for anything in the loan process because it cannot be documented. Don’t deposit cash into any accounts during or shortly before the loan process
  6. Identify your insurance agent early in the process
  7. Be thorough when providing bank statements or other asset account statements
  8. If your statement has 8 pages in it, we need all 8 pages, even if one or more of them are blank


    Do’s and Dont’s in the Loan Process

  • DO continue making your mortgage or rent payments
  • DO stay current on all existing accounts
  • DO keep working at your current employer
  • DO continue living at your current residence
  • DO continue to use your credit cards, but keep the use to a minimum
  • DO call us if you have any questions
  • DON’T make a major purchase (car, boat, fur, jewelry, etc.)
  • DON’T apply for new credit (even if you seem pre-approved)
  • DON’T open a new credit card
  • DON’T transfer any balances from one account to another
  • DON’T pay off charge offs without a discussion with us first
  • DON’T pay off collections without a discussion with us first
  • DON’T buy any furniture
  • DON’T close any credit card accounts
  • DON’T change bank accounts
  • DON’T max out or over charge on your credit card accounts
  • DON’T consolidate your debt onto 1 or 2 credit cards
  • DON’T take out a new loan
  • DON’T start any home improvement projects
  • DON’T finance any elective medical procedure
  • DON’T open a new cellular phone account
  • DON’T join a new fitness club
  • DON’T pay off any loans or credit cards without discussing it with us


If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.

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