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Tips for a Smooth Loan Approval


  • Immediately inform your Loan Officer if there are any changes in your employment, income, or assets.
  • Continue living in your current residence.
  • Continue making all mortgage or rent payments.
  • Continue to make payments and stay current on all existing credit accounts.
  • Be prepared with an explanation for any credit "blemishes" and recent credit inquiries.
  • Research and select a preferred homeowners insurance provider.


  • Make any major purchases or home improvements.
    (ie. auto, boat, appliances, furniture, pool)
  • Apply for new credit or loans.
  • Pay off any charge-off accounts, collections, loans, credit cards, or consolidate debt.
  • Close any credit card accounts, max-out, or over-charge credit accounts.
  • Change bank accounts of transfer balances from one account to another.
  • Change the source of your "closing funds."
  • Deposit large amounts of cash into your own bank account without proper documentation.



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