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Six Things Not To Do When Applying For a Mortgage

When lenders review your application, they like to see consistency in your finances.

  1. Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations.
  2. Don’t change or quit your job.
  3. Consult with your mortgage professional before withdrawing, depositing or moving large amounts of money in or out of your bank account.
  4. Do not pay off debt or collections (unless instructed to do so by a mortgage professional).
  5. Avoid using cash for a good-faith deposit – cash is difficult to verify and could result in a closing delay.
  6. Don’t have your credit report pulled too many times – this can hurt your credit score.

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