Mortgage Dos and Don'ts | Home Buyer Tips from TMF

Dos

Send requested documents as promptly as you can
Disclose the income you want considered for qualifying
Disclose your debt (i.e. side business, alimony, child support, additional real estate owned etc.)
Be honest about your credit (good or bad)
Pay your bills on time (mortgage, rent, car payments, credit cards, etc.)
Use your credit card normally
Make sure your spouse is available for the closing (if purchasing a primary residence)
Communicate with your loan originator and loan partner

Don'ts

Change or quit your job
Pay off debts, collections, or charge-offs (unless your loan officer recommends it)
Move out of your current home
Make major changes to your asset structure
Co-sign or co-borrow on anything
Make large cash deposits into your bank accounts

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Lyndsey Z.

This firm did an amazing job with helping me buy my first ever home with my husband! April, Lacey, and David were so great! They were all very patient and understanding when I was unsure of the process and terms

Irina N M.

Oscar is an exceptional person who takes the time to build genuine relationships. He truly cares about your personal and family situation and is always willing to help. Not only does he get the job done, but he also provides

Somer R. H.

We might be biased but she's the best! Kind, hard-working, and extremely knowledgeable. Thank you for getting us through this crazy process!

Leah J.

As first time home buyers, Vicki is exactly what we needed! She was available to answer my many questions and never made me feel like they were silly or that I was a bother. Her knowledge of VA loans was

Brian Tonka Y.

Both Steve and Laina made this process smooth and painless

Brett Michael S.

David's team are experts in the field and made a first time home buyers feel at ease knowing the breakdown of everything and locating the best loan for me.

Phuc Hong N.

Fast easy process with Brandon

Kayla P.

Everyone was very attentive and responsive even when I asked questions after business hours!

Samantha B H.

Vicki and her team were wonderful, they made the home buying process go so smooth. highly recommend Vicki and her team

David Darnell F.

Mary and her team were on point. The communication was top notch and our journey for closing was very smooth.

How to Be A Good Borrower

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Dos