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
Marty has helped us finance/refi two homes. Whether we were dealing with a refi, a HARP refi or a new purchase, Marty was always responsive and knowledgeable. Every time he has come back with the best rates and closing costs. Additionally, he has kept in contact with us throughout the years in case rates drops and he can save us a few extra dollars. Definitely worth the call to Marty if you are in the market for home financing.
Joey B.
White Lake, MI
Steve Ungrey is a professional. My funds to close and payment were lower than expected! My loan closed sooner than expected and I was kept informed throughout the entire process. I loved working with Steve and his processor, Diane. I would recommend Steve Ungrey and Northern Mortgage to anyone of my friends or family!
J. Engel
Comstock Park, MI
Very knowledgeable, very good communications, excellent customer service throughout the whole process. Whenever I had questions or concerns, Marty addressed them promptly. Got me a great rate, and closed in time too. Highly recommend!
D. Bause
White Lake, MI