How To Ensure A Smooth Transaction


  • Pay your rent and obligations on time. 
  • Keep your lender or REALTOR® apprised of any changes in your employment status. 
  • Submit all paperwork and information requested by your lender in a timely manner. Make sure all deadlines are met. 
  • Pay your bills in a timely manner, including credit cards, mortgage, car payments, and student loans. 
  • Be aware the lender will run another credit report just prior to closing. 
  • Consult with your lender before committing to any large purchases or monthly memberships.
  • Realize that the lender will do another employment verification just prior to closing. 
  • Know that the contract closing date is "on or about," which meansa firm date isnot set until toward the very end.
  • Do not change jobs, become self-employed, or quit your job. 
  • Do not buy a car, truck, van, or motorcycle. 
  • Do not apply for credit cards, use them excessively or fall behind on payments. 
  • Do not spend money you have set aside for closing. 
  • Do not omit debts or liabilities from your loan application - they will come up! 
  • Do not buy furniture or any other big ticket item that requires financing or join any monthly memberships such as health clubs. 
  • Do not authorize any inquiries into your credit. 
  • Do not make large deposits without first checking with your loan officer. 
  • Do not change or close bank accounts. 
  • Do not co-sign a loan for anyone.


BUT WHAT IF... If for any reason your situation requires changing any of these guidelines, PLEASE contact us and/or your lender before acting so that you can strategize a better alternative. -

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