Know your credit score and any outstanding debts before you start house hunting. Request your credit report from annualcreditreport.com to see where you stand.

Finding your dream home only to lose it because financing isn’t ready can be avoided. Apply today to get preapproved before you start shopping.

Your mortgage loan officer will need information about your employment and income, including pay stubs and tax records, along with any other assets. Our documentation checklists can help you stay organized.

Gift money may or may not be allowed depending on your situation. We’ll need details on where the funds came from, including any additional cash deposits into your accounts.

Continue making your rent or mortgage payments on time throughout the process.

Changing jobs, getting a raise or planning a vacation? Let your mortgage loan officer know. Keeping them in the loop helps keep your loan moving.

Hold off on that new car or credit card until after you’ve closed. New financing can affect your credit and delay or even prevent approval.

A consistent employment history helps keep the lending process on track. If your job situation changes, let your loan officer know as soon as possible.

Closing or opening accounts, transferring funds (especially cash) or selling large assets like a boat or trailer without proper tracking can trigger additional documentation requests. Check with your mortgage loan officer before making any moves.

Wait until after closing to avoid extra documentation requests or the risk of losing funds to a declining market.

Questions come up. We’re here to help guide you through the process, so don’t hesitate to reach out anytime.