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
Marty explained the process of purchasing a home with such honesty and professionalism. He was very knowledgeable and responsive throughout the whole process. I would recommend him to anyone in need of financing.
Cassaundra R.
Byron Center, MI
I have purchased many homes and farms during my lifetime, and never have I worked with a lender like Brian. He makes the whole process easy and stress free. He not only got the job done, but got me a great interest rate and got it done quickly. He is kind and patient and professional, and when the deal is done you will feel like you gained not only a new house, but a new friend. What a pleasure it is to work with Brian. Even if you think your credit isn't good enough to buy a house, call Brian. You will be amazed at what he can get done for you.
Anne M.
Richland, MI
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

Northern Mortgage Services, LLC is licensed in the following states: CT ML-130662 / FL MLD1207 / IL MB.6761248 / IN 34700 / KS MC.0025510 / LA 130662 / MA Mortgage Lender and Mortgage Broker MC130662 / MI FL0782 / MO 18-2360 / OH MB.804194.000 / TN 170724 / NC L-194959 / SC 130662 / CA 41DBO-46106 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act