Tips for a Smooth Mortgage Experience

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Get preapproved early

So you know exactly how much house you can afford before shopping.

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Utilize the professionals

Call your real estate agent and loan officer with any questions and to help guide you through the process.

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Maintain current employment

Avoid major changes like quitting or switching jobs during the mortgage process.

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Avoid making large deposits

Do not make any large deposits into your bank accounts without documented proof of the source.

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Delay big purchases

Wait until after your loan closed to make big purchases such as cars, furniture, TVs, electronics, etc.

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Do not apply for new debt

Continue making all monthly debt payments and do not open or apply for any new credit cards, car loans, or any other type of debt during the mortgage process.