Ten Things You Can Do To Ensure A Smooth And Successful Transaction
1 | Keep your same job! Getting a new job, quitting your job, or becoming self-employed could negatively impact your application.
2 | Wait until AFTER closing to purchase a new car, truck, van, motorcycle, RV, boat, etc. If you need to make a new purchase sooner, talk with your loan officer first to see how it would impact your application.
3 | Maintain regular spending habits. Overusing credit cards could have a negative impact. Keep making your regular timely payments on all accounts, and don’t stop paying your mortgage (if you have one).
4 | Keep your down-payment money in the bank! Don’t spend it, and don’t keep it as cash at home.
5 | Disclose ALL of your monthly debts and obligations up front on your application.
6 | Wait until AFTER closing to buy (finance) furniture, appliances, etc. If you need to buy sooner, consult with your loan officer first.
7 | Avoid new credit inquiries and opening new accounts prior to closing.
8 | Large non-payroll deposits should be discussed with your loan officer BEFORE you deposit them in the bank.
9 | Maintain your existing bank accounts and wait until after closing if you want to open new ones.
10 | Don’t be a co-signer for someone else’s loan.
If at any time you are unsure about how something might impact your loan application and approval, CONTACT your loan officer!
LOCAL ADDRESS
2065 First St., Suite 102
Slidell, LA 70458
Call/Text: 985-77-RATES
(985-777-2837)
Email: [email protected]
NMLS #101822
Branch NMLS #2252127
CORPORATE ADDRESS:
(This is not the main page for Amres Corporation)
1 Neshaminy Interplex Dr., Suite 310
Trevose, PA 19053
Call: 844-242-6656
Web: www.amres.com