Mortgage Do’s and Don’ts

We want the smoothest home buying experience for you.  These Mortgage Do’s and Don’ts will keep you on track! 

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May 15, 2015
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DO

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

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
Return Home
Josh and his team are timely, professional, and make you cared for at all times during the lending process. They continually reach out to assure things are going smooth and are always available to answer questions and get the process done as fast as possible. We definitely plan to use Josh and his company for any future lending needs.
Z. Ross
Grand Rapids, MI
Extremely pleased with everyone that took their time to explain and clarify certain stuff we didn't understand. We felt they went beyond their duty to get us to closing day!
Joaquin F.
Kansas City, MO
I purchased my first home through Rob and because of his excellent service, I decided to use him a second time. Rob helps eliminate the stress of purchasing a home. Both of my purchases went very smoothly, and I always felt well taken care of. He doesn't ever make you feel pressured, and always makes you feel comfortable enough to ask any and all questions you may have. I would highly recommend Rob Eddie at Northern Mortgage if you're looking to purchase a home!
Jamie V.
Grand Rapids, MI