Do’s and Don’ts for a Smooth 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 to use your credit as normal

• DO call us if you have any questions

• DON’T make a major purchase (car, boat, big screen TV, etc…)

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

• DON’T open a new 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 max out or over charge on your credit card accounts

• DON’T change bank accounts

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

• DON’T take out a new loan, even if you don’t have to make a payment for along time

• DON’T start any home improvement projects

• DON’T open a new cellular phone account

• DON’T pay off any loans or credit cards without discussing it with us.

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 avoid any unnecessary conflicts.


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