To Protect Yourself During The Mortgage Process:

DON'T:

• Stop paying on any current mortgages

• Don't pay your bills via a debt management company

• Quit or change jobs

• Cancel your lease

• Apply for new debt

• Make any large purchases on credit

• Pay off any debts or close any loans (unless instructed)

• Have your credit pulled repeatedly

• Transfer any balances on credit cards

• Don't pay any upfront costs associated with the transaction with cash (i.e.- earnest money deposit, appraisal deposit, inspection monies)

DO:

• Realize your credit may need to be re-pulled, therefore, continue making all debt and bill payments on time

• Understand that typically all collections must be paid prior to closing

• Realize all gifts should be in the form of certified or cashiers checks (it is best to get the gift at closing, not before)

• Provide all documents promptly to ensure closing on time

• Talk with your agent about big purchases you plan or need to make

• Call for instruction before making unusual large deposits

• Notify us IMMEDIATELY if your situation changes in any way

• Relax- we have the financial side taken care of!