Once you write an offer to a home you love, please do NOT do the following so that you will not jeopardize your loan approval.  If you must do any of the following, please consult your loan officer beforehand.

  • Changing jobs.
  • Using credit cards excessively (try to keep balance at 30% or less of your card’s limit.)
  • Falling behind any credit account or missing a payment.
  • Letting anyone pull your credit score.
  • Making a significant purchase. (Please wait buying furniture or  appliances for your new home until close of escrow, even if you are missing a huge Memorial Day sale.)
  • Cosigning on a loan.
  • Changing bank accounts
  • Transferring large sums of money between accounts.
  • Making any unusual large deposits over $500.
  • Making cash deposits, or receiving an unplanned money gift.
  • Schedule a long term medical leave.