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

Thank you Pat Helder for making our dream of owning a home come turn. You made it so easy and we appreciate everything you did.

Sullivan familyFremont, MI

I have only dreamed of providing a home for my wife and daughter. Nick believed in me when I wasn't quite prepared with my finances. At the time I was working 7 days a week 80+ hours to get the down payment money. Others said I was crazy, Nick was the support I needed. His professionalism and optimism, threw gas on the fire! He got me across the finish line with a great loan, and low closing costs. Now I get to sit back in my own home ALL SPRING AND SUMMER with my family! Nick is a Rock Star! I do not believe I could have done it without his guidance and patience. To boot he is an extremely friendly guy and a pleasure to work with. His entire team is phenomenal! Thank you Nick from the bottom of my heart!!

Eric T.West Olive, MI

I don't know how to express how wonderful you are and for all that you and your staff did for us. You helped me to reach the next step in my life, and helped my son obtain his family home. He is so proud and I am doing great now, and we wouldn't have been able to do this without your help! Thanks again Terri-
Much appreciation.

Francene T.Muskegon, Mi