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
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
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 302939