Do's and Don'ts


Do start shopping for your homeowner’s hazard insurance

Do inform your loan officer of any changes in your income

Do inform your loan officer if you will be obtaining money from anyone to help with your purchase (may or may not be allowed).

Do keep paper trails on all deposits throughout the loan process (copy of checks, deposit slips, etc.)

Do inform your loan officer if you will be out of town during the loan process

Do consult with your loan officer before making cash deposits into your banking accounts

DO GET PAPERWORK requested by your loan officer to them as soon as possible (paperwork delays = closing delays)


Don’t change employment or quit current employment during your loan process

Don’t move money back and forth between bank accounts

Don’t shuffle any financial accounts (401k, Mutual Funds, etc.) without consulting your loan officer first

Don’t open new credit lines – no new autos, furniture, or any type of deferred financing

DON’T MAKE CASH DEPOSITS INTO YOUR BANK ACCOUNT without first consulting with your loan officer

Rob Eddie with Northern Mortgage was amazing in helping me purchase my first home. He guided me through the buying process and even helped me better my credit with suggestions on what I needed to do to better it! A year ago I would have not been able to purchase a home but with Rob Eddie and Northern Mortgage, it was possible and I couldn't be happier. I'm truly thankful for all of their help, attention, and guidance and for all that I'm a very happy home owner.
Jason S.
Grand Rapids, MI
I had found my "dream home" and was ready to start the buying process, but wasn't familiar with any of the mortgage companies in my area. My realtor recommended Lynne Hoatlin at Northern Mortgage Services. I've purchased a number of properties in the past and would rate my experience with Lynne as one of the best. She made what could have been a challenging and frustrating process (due to the seller) as smooth and comfortable as possible. her friendliness, relaxed attitude, responsiveness, and attention to detail were simply outstanding.
Niki B.
Muskegon, MI
I couldn't have asked for a better experience! Anthony Gardner and his team made purchasing our home a smooth and easy process. Their communication with us was impeccable--we were never left hanging with unanswered questions. I will be recommending them to friends and family
Carley M.
Grand Rapids, Michgian