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What To Do And NOT TO DO Once You Are Under Contract To Purchase A Home Before Closing
DO call us if you have any questions
DO continue living at your current residence
DO continue making your mortgage or rent payments
DO continue to use your credit as normal
DO keep working at your current employer
DO keep your same insurance company
DO stay current on all existing accounts
DON’T have family member/friend write out Earnest Money Deposit check and/or please don’t let it be a cash deposit.
DON’T apply for new credit (even if you seem pre-approved)
DON’T buy any furniture
DON’T change bank accounts
DON’T close any credit card accounts
DON’T consolidate your debt onto 1 or more credit cards
DON’T finance any elective medical procedures
DON’T finance a pet
DON’T join a new fitness club
DON’T make a major purchase (car, boat, fur, jewelry, etc.)
DON’T max out or over charge on your credit card accounts
DON’T open a new cellular phone account
DON’T open a new credit card
DON’T pay off any loans or credit card without discussing it with your lender first
DON’T pay off charge offs without discussion first
DON’T start any home improvement projects
DON’T take out a new loan
DON’T transfer any balances from one account to the other.
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.
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