Mortgage Do's and Don'ts

This helpful guide can help borrowers avoid pitfalls before and during the loan process that may cause delays.


  • Provide items requested within 24 hours
  • Reach out at any time with questions
  • Refer your friends and family to us so we can give them the same great customer service
  • Continue paying off debt - help keep your debt ratio low!
  • Explain any credit blemishes - help get your mortgage approved!
  • Notify your Loan Officer if you plan to receive gift funds for closing costs
  • Notify your Loan Officer of any changes in employment or marital status
  • Research and choose a homeowner's insurance company


  • Change employment or become self-employed
  • Make a large purchase or apply for new credit
  • Co-sign for anyone
  • Use your credit cards or let your payments fall behind
  • Move or spend any money intended for your down payment and/or closing costs
  • Pay off debt, without first discussing it with your loan officer
  • Make any cash deposits
  • Shred your last Bank statements or paycheck stubs
  • Open or close bank accounts
  • Give your 30 day notice or schedule movers without coordinating with your loan officer

Additional Resources

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