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! 

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
Andy provided us with first-class service, and a very competitive rate. I strongly recommend Andy for anyone looking to buy or refinance a home.
Devin F.
Novi, MI
Steve and his team were very friendly and helping. They made a complicated process as easy as possible.
Nicole D.
Grand Rapids, MI
Excellent staff from top to bottom. Answer all my questions stayed in constant communication. A pleasure to work with, I highly recommend Barry & his support team!
L. Cantor
Boca Raton, FL

Northern Mortgage Services LLC is licensed in the following states: CO 130662 / CT ML-130662 / DC MLB130662 / FL MLD1207 / IL MB.6761248 / IN 34700 / KS MC.0025510 / LA 130662 / MA Mortgage Lender and Mortgage Broker MC130662 / MD 06-22454 / MI FL0782 / MO 21-2360 / NH 23555-MB / NC L-184959 / OH RM.804194.000 / TN 170724 / NC L-194959 / SC MLS-130662 MLS-13662 OTN #1 / VA MC-7050 / Illinois License MB.6761248 James R. Thompson Center, IDFPR-Residential Mortgage Banking, 100 W. Randolph, 9th Floor, Chicago, Illinois, 60601 Tel: (844) 768-1713