Hold on to personal property like an automobile or farm equipment. If you do sell your property, make sure you have a copy of the Bill of Sale and Certified Check. It’s a good idea to call us before you sell anything!

Now isn’t the time to open new credit cards, buy new cars, or make big purchases because it increases your debt-to-income ratio and reduces your cash reserves.

Be sure to preserve the money for your down payment and closing costs.

Don’t close any bank or retirement accounts or deposit hard-to-trace cash.

If you receive cash tips, be sure our records match your bank deposits.

You’ll have less cash and we need an updated pay stub just before closing.

Changing jobs slows down the loan process because we’ll need to verify new information.

Avoid falling in love with a house that may be outside of your budget.

It can help when you’re making an offer on a house. Connect with us on how to get pre-qualified or apply for your home loan today!