Don't Drop Your Credit Scores Before Purchasing A Home!

We review your credit report with you first and make recommendations before you do anything (We also help clients raise their scores.)

DON'T:

Go home shopping before getting an "Early Approval" from us first.

Get hard credit checks from different banks!

Payoff any collections (including medical collections)

Close-out any paid accounts

Charge more on credit cards increasing balances

Pay down or payoff any debts 

Finance car 

Obtain new loan

Co-sign loan for child 

Apply for OR get new credit card

Purchase new home furniture or appliances on 90 days credit

Get involved in a lawsuit

Get a judgement 

Get wages garnished

Get a IRS tax lien

Change job or career

Change from hourly job OR salary job into self-employed OR commissioned employee

Change your legal name

Discard needed paperwork including: Tax Returns, W2s, paystubs, bank statements, retirement/investment statements, home insurance documents, social security cards, drivers licenses, etc.

REFINANCE CONSIDERATIONS - DON'T:

Move from existing home before refinancing as Owner-Occupied residence

Turn home into rental property

AirBnB your home into rental property

Any of these items could result in loan denial or complications, call us first!