Do

• Get prequalified
• Check your credit report
• Continue paying your current monthly bills, including rent and utilities
• Pay all your bills on time: Important to be current
• Continue making purchases as usual: Banks love consistency, and continuing normal patterns of credit use gives banks a good idea of your spending routines
• Ask your lender questions: You should be as informed as you possibly can be before your big purchase
• GET EXCITED ABOUT YOUR NEW HOME!

• Change jobs or become self-employed: Banks love to see income stability
• Make large purchases such as a car, furniture or jewelry: It may alter your debt-to-income ratio
• Change bank accounts: It may slow down the mortgage process
• Move money from one account to another
• Apply for new credit cards or inquire about limit increases: This may change your credit
• Deposit cash: deposits need to be explained during underwriting process
• Withdraw money from your 401K, trust, or gift as funds to close: Confirm first with your loan officer.