Here is a list of helpful tips to ensure an effortless loan process.  These DO’s and DON’Ts will help avoid any delays with your loan approval.

-DO continue making your mortgage or rent payments

-DO stay current on all existing accounts

-DO keep working at your current employer

-DO keep your same insurance company

-DO continue living at your current residence

-DO continue to use your credit as normal

-DO call us if you have any questions

-DON’T make a major purchase (car, boat, jewelry, etc.)

-DON’T apply for new credit (even if you seem pre-approved)

-DON’T open a credit card

-DON’T transfer any balances from one account to another

-DON’T pay off charge offs without a discussion with us first

-DON’T pay off collections without a discussion with us first

-DON’T buy any furniture

-DON’T close any credit card accounts

-DON’T change bank accounts

-DON’T max out or over charge on your credit card accounts

-DON’T consolidate your debt onto 1 or 2 credit cards

-DON’T take out a new loan

-DON’T start any home improvement projects

-DON’T finance any elective medical procedure

-DON'T pay loans or lines off without a discussion with us first

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.