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DETAILED COMMUNITY INFORMATION

FOUR THINGS TO AVOID WHEN PURCHASING A HOME:

There are four major things to avoid doing before applying foor an application for a loan and during the loan process itself.  Any one of these four things can greatly impact your ability to qualify for a mortgage loan so it is prudent to avoid doing any of the following until AFTER your loan has closed escrow.

1. DO NOT CHANGE JOBS

Changing jobs before or during the loan process can create a real problem in qulifying you for a loan, particularly if that job is in a different line of work or at a lower rate of pay.  During the loan process, it can also create time delays as the new job will need to be verified.

2. DO NOT SWITCH BANKS OR MOVE YOU MONEY AROUND

It is best to leave your money right where it is until your loan is closed .  Moving to a new bank or even into a new account can wreak havoc with the verification process.

3. DO NOT PAY OF BILLS

Your loan officer will advise you if it is necessary to pay off bills to help you qualify for a loan.  They will also show you the best way to pay off bills to make sure that escrow has evidence they need to prove that the bills have been paid.

4. DO NOT MAKE ANY MAJOR PURCHASES

Many borrowers make the mistake of buying a new car, some furniture or making another major purchase without realizing the impact it can have on their ability to buy a home.  A large monthly payment can effect the amount of home you qualify for and, during the loan process itself, actually make it extremely difficult to get your loan approved.

If you must do any of the above (even if you have been pre-qualified for a loan) contact your loan officer. They can help you by re-qualifying you if necessary and advising you of your opotions.