HOW TO KILL YOUR DREAM BEFORE MAKING IT TO THE CLOSING TABLE
For the love of all that is holy… do NOT do any of these things while you’re under contract to buy a home.
Your lender may pull credit and bank statements prior to funding the close of the loan, and even something as simple as a birthday check can cost you thousands, if not your dream home.
DO NOT Change Jobs:
Changing jobs before or during the loan process can create a real problem in qualifying you for a loan, particularly if that job is in a different line of work or at a lower rate of pay.
DO NOT Switch Banks Or Move Money Around:
It’s difficult to verify funds if money is moved, so leave everything as i until your loan is closed.
DO NOT Pay Off Bills:
Your loan office will advise you if it is necessary to pay off bills to help you qualify and obtain sufficient proof of payment.
DO NOT Make Any Major Purchases:
Large purchases have a major impact on qualification.If you add a payment, or increase a payment it will decrease your qualificationamount. Stay away from purchases such as cars, boats, r.v.’s, furniture, etc.
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