If you’re feeling overwhelmed by the lending process, this simple list of do’s and don’ts will help you get through it with ease.

Search All Homes on the MLS Here
Receive a FREE Home Value Report
Apply For a Loan Today

Many borrowers feel overwhelmed by the lending process, so today we’d like to offer some insight into how you can make this step in your home search more manageable. 

With that said, here are a few do’s and don’ts to follow when you undergo the lending process:

Do disclose everything. Leaving out key information when speaking with your lender will make things more difficult for both of you. Your lender isn’t there to judge you. Their job is simply to use relevant information about your financial circumstances to determine what options you have moving forward. 

Do your due diligence and provide all necessary documents up front. It can be stressful to gather up all the paperwork your lender asks for, but you’ll be glad that you did at the end of the deal. These documents are essential for the lender to do their job to the best of their ability.


   It’s important that your financial standing and employment status remain static through closing.


Do document everything. Whenever you make a large deposit or withdrawal or otherwise make a major change to your finances, it’s imperative that you keep a record of these actions. It can cause major issues during the lending process if you don’t. 

Don’t make any large purchase. This happens all the time. People get excited about their home purchase and go on a furniture shopping spree before they’ve even closed. Unfortunately, major expenses can make a big impact on your credit score and could compromise your ability to obtain financing. 

Don’t forget to document deposits. As we already touched on, documenting all deposits is a must. 

Don’t change jobs during the process. It’s important that your financial standing and employment status remain static through closing. Avoid changing jobs while under contract at all costs. 

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.