Do’s and Don’ts

Here is a list of helpful tips to ensure an effortless San Diego mortgage loan process.

These DO’s and DON’Ts will help avoid any delays with your 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 continue living at your current residence
  •  DO continue to use your credit as normal
  •  DO call us if you have any questions   
  •  DON’T make a major purchase (car, boat, jewelry, ect.)
  •  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 change bank accounts
  •  DON’T max out or over charge on your credit card accounts
  •  DON’T consolidate your debts in to 1 or 2 credit accounts
  •  DON’T take out a new loan
  •  DON’T start any home improvement projects
  •  DON’T open a new cell phone account

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 a smooth funding for your San Diego mortgage loan.