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
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
Anthony helped us get a loan for a home in Grand Rapids. He went above and beyond everything we were expecting and made our move from Tennessee as easy as we could have hoped for. This was our first home purchase, and I thank Anthony for helping our family move into our perfect home and starting our life in Michigan. I would recommend him and this company to anyone looking for help with their move. Thanks again! You
Cassie G.
Grand Rapids, Michgian
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: CA 41DBO-46106 / CT ML-130662 / FL MLD1207 / IL MB.6761248 / IN 34700 / KS MC.0025510 / LA 130662 / MA MC130662 / MI FL0782 / MO 18-2360 / OH MB.804194.000 / TN 170724