Do not switch a large deposit of cash into your bank account. Your lender wants verification on it, and this process will be prolonged if you cannot produce documentation like a pay stub, bill, or a letter from a gift-giver. Always talk to your Loan Officer upfront for guidance if you’re in this situation.

Don’t keep cash at dwelling that you intend to make use of within the transaction. Skip the hassle of making an attempt to produce documentation for it and keep it safe in your bank account.

Do not open or shut credit card account while you’re applying to your home loan. The credit card firms report this to the credit bureaus. Doing so may change your credit score or ratios which can affect your loan qualification. Even if the lender pulled your credit already, know that the lender does a soft pull at the end before closing, it’s called a credit refresh, and any modifications you probably did will show up.

Don’t change jobs after you apply. If it’s important to change jobs, it’s really helpful to wait 30 days after starting your new job to use in your residence loan so that you could establish your revenue with your lender. You will have to show a minimum of one pay stub to start the loan process.

Do not full any major purchases while applying on your loan– particularly on credit cards. Wait to buy big-ticket items like furniture or a new automotive until after closing. Talk to your Loan Officer when you’ve got such plans.

Don’t overdraw your checking account. This could seem obvious, but keep a watchful eye over your account balance to avoid this expensive mistake. In case your lender requests a bank assertion from you, it certainly won’t look good when you have overdraft expenses because they may think you’ve inadequate earnings or that you simply’re unable to handle your money.

And last but not least, don’t withhold information on the mortgage application. Be open with your Loan Officer. Whether or not that “forgetting” to disclose a earlier bankruptcy, foreclosure, late mortgage payment, etc. If a monetary institution had been to find out after submitting the application that you’ve (purposely) omitted to come forward with certain information, or plainly lied about certain factors, that there is now a big shadow of untruthfulness over everything else you could have supposedly fully-disclosed. More often than not, your mortgage application will be declined, and may jeopardize future applications as well.

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