• Do make all payments on time.
  • Do tell us about all property you own (house, condo, land).
  • Do tell us right away if your employment and pay status changes.
  • Do tell us about all of your income and debts.

    (child support, alimony, debts not on credit report, side business)

  • Do keep all your paystubs, bank statements and tax returns.
  • Do be upfront about your credit (good or bad)
  • Do continue to use your credit card as you normally would.
  • Do make your spouse available to sign at closing if purchasing a primary residence.
  • Do call us if you have any questions or want to change your finances in any way!






  • Don't change or quit your job.
  • Don't apply for any new credit or loans of any kind.
  • Don't pay off debts, collections or charge-offs.
  • Don't move.
  • Don't co-sign or become a co-borrower on any other loan.
  • Don't make major changes to your asset structure.
  • Don't make cash deposits into your bank accounts.