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

DO’s

• DO call your loan officer if you have any questions.
• DO provide requested documentation promptly and in its entirety.
• DO continue living at your current residence.
• DO continue making your mortgage or rent payments.
• DO continue to use your credit as normal.
• DO keep working at your current employer.
• DO keep your same insurance company.
• DO stay current on all existing accounts.

DONT’s

• DON’T change your employment or marital status.
• DON’T make any major purchases (car, furniture, jewelry, etc.).
• DON’T change bank accounts.
• DON’T make any large cash deposits into your bank accounts.
• DON’T transfer any balances from one account to another.
• DON’T close any credit card accounts.
• DON’T consolidate your debt onto one or two credit cards.
• DON’T apply for new credit or open a new credit card.
• DON’T max out or overcharge on your credit card accounts.
• DON’T take out a new loan or co-sign on a loan.
• DON’T pay off any loans or credit cards, charge offs, or collections without discussing it with your loan officer first.
• DON’T finance any elective medical procedure.
• DON’T join a new fitness club.