There are some things that you should NOT do when purchasing a new home. After all, you don’t want to risk not being able to move in! Have a look and contact me if you have any questions!

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  1. Thou shalt NOT change jobs, become self-employed or quit your job.
  2. Thou shalt NOT buy a car, truck or van (or you may be living in it).
  3. Thou shalt NOT use charge cards excessively or let your accounts fall behind (hide them from yourself if you must).
  4. Thou shalt NOT spend money you have set aside for closing.
  5. Thou shalt NOT intentionally omit information from the loan application big no-no).
  6. Thou shalt NOT buy furniture or make other large purchases on credit.
  7. Thou shalt NOT originate any inquiries into your credit (if there are too many inquiries regarding your credit it WILL lower your credit score).
  8. Thou shalt NOT make large deposits without first checking with your loan officer.
  9. Thou shah NOT change bank accounts.
  10. Thou shalt NOT co-sign a loan for anyone.