Here is a list of helpful tips to ensure an effortless loan approval.   These DO’s and DON’Ts will help avoid any delays with your loan approval.

• DO continue making your mortgage or rent payments

• 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 continue to use your credit as normal
• DO call us if you have any questions

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.

 • DON’T make a major purchase (car, boat, fur, jewelry, etc.)
• DON’T apply for new credit (even if you  are 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 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 procedures
• 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

NMLS #300123 BRE #01447342