Ten Do's and Don'ts During the Home Loan Process

  • Don't apply for a new credit card
  • Do keep all credit card accounts current and open
  • Don't max out or overcharge existing credit cards
  • Do keep employment with current company or field of work
  • Don't consolidate debt to one or two credit cards
  • Do pay off collections, judgements or tax liens from last year
  • Do be prepared to pay off collections if required
  • Do provide documentation for any paid judgements or tax liens
  • Do stay current on payments for all monthly obligations
  • Do call your lender BEFORE making any financial decisions