The following is a sample of a few of the Do's and Don'ts this report covers:


DO keep originals of all pay stubs, bank statements, and other important financial documentation. We are required to update any documents that are over 30 days old prior to the closing of your mortgage loan (this is required even if your loan is approved).

DO provide all documentation for the sale of your current home (i.e., sales contract, closing statement, employer relocation/buyout program).


DON'T change jobs/employer without inquiring about the impact this change would have on the approval/approvability of your mortgage loan.

DON'T make major purchases during or prior to closing (i.e., new car, furniture, appliances, electronics) because this might impact your qualification ratios. Please confer with your loan officer to have him/her calculate what your ratios would be with any additional debts.

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