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
Northern Mortgage did an outstanding job on my refi. Definitely recommend using their services. Steve Ungrey was very professional and friendly.
Shawn H.
Walker, MI
It's been a 2 year journey of house hunting, in a crazy, house selling frenzy, Michigan has been in the last couple of years. First house we bid on two years ago required a pre-approval. That's when we were introduced to Nick VanVorst. We were shocked and amazed by his work ethic!! He had us pre-approved in a matter of about four hours. Let me also add, this was done in the evening. I believe our last conversation was about 10:30 at night— amazing!! I would recommend him to anyone, espeically if you have ever worked with a bank before, you will be as shocked and amazed as we were!
Julie E.
Grand Rapids, MI
I want to thank you again for EXCELLENT service and making the buying/selling process so easy. We LOVE our home and property, and just had our first little girl!
Amanda W.
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