Here is a simple list of Do’s and Don’t’s that will help make sure that there aren’t any last minute problems that interfere with your loan approval.

  • DO continue making your mortgage or rent payments on-time
  • DO pay all of your loans, credit cards, and other bills on-time
  • DO keep working at your current employer
  • DO continue to live at your present residence
  • DO call me if something comes up or if you have to make a big financial decision


  • DON’T make any major purchases (car, boat, furniture, etc)
  • DON’T apply for any new credit
  • DON’T open any new credit cards
  • DON’T transfer any balances from one account to another
  • DON’T pay-off any ‘Charge-off’s” without speaking with me 1st
  • DON’T pay-off any collection accounts w/o speaking with me 1st
  • DON’T close any credit card accounts
  • DON’T change/open any bank accounts
  • DON’T max-out or go over-limit on any credit cards
  • DON’T start any home improvement projects
  • DON’T change how you get paid at work
  • DON’T make large deposits into your bank account without speaking to me 1st


If you encounter a special situation or if you are uncertain about any action that might impact your financial status, please call me so that I may review it with you and coach you on what steps you should take.

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