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Home Buyer Mortgage Do’s and Don’ts

April 29, 2021
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Buying a new home is a very exciting time for so many people and comes with a lot of information for a new home buyer to navigate. To allow the home buying process to go as smoothly as possible it is vital to understand the mortgage application process. Having trouble finding a lender? Reach out to your sales representative to learn more about our preferred lenders to find the one that is right for you! Once you have found the right mortgage lender for your home there are some important do’s and don’ts to avoid closing delays, jeopardize your approval and keep your house on track.


  • Stay up to date on all payments across all mediums
  • Keep your lender updated with important credit, employment, and financial statuses
  • Obtain home insurance to avoid delays
  • Update lender if your contact or loan amount changes
  • Create and stick to a savings plan


  • Apply for any new lines of credit
  • Buy a new car or take out additional loans *this changes your debt to income ratio*
  • Change employer, positions or modify pay without checking with your lender prior
  • Co-sign on any other loans
  • Close credit cards or pay off all debts
  • Switch banks
  • Continue applying with other lenders over an extended period of time *this may decrease your credit score due to lenders pulling your credit report*
  • Move significant amounts of money from your bank or accounts
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This post was written by Madison Tindell

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