
Buying a home can be a lot of fun, and a lot of stress. The worse thing though is when it gets close to the day of closing and suddenly the lender calls and says, “sorry, your credit changed and we can’t help you.” This often produces tears, frustration, screaming (by the seller) and a lot of “why” questions.
The following are some important things for you to keep in mind after you have applied with a mortgage company.

#1 Do NOT buy anything!
#2 Do NOT buy anything on credit.
#3 Do NOT even go shopping and get a new credit card to fill your home with new possessions.
#4 Do NOT go car shopping.
#5 Do NOT miss making payments.
And DO enjoy the time while you’re waiting by browsing through the things you want to do AFTER you close on your new house.
If you receive money unexpectedly, make sure to keep the paper trail.
Be prepared to answer questions for everything.
Gone are the days when you could sign the paperwork and everything would go smoothly. You are going to have your financials gone through with a fine tooth comb. If you’re going to be living in temporary housing, be sure to have easy access to your financial information.
To be prepared, make sure you have at least:
2 years worth of Bank Statements
2 years worth of Tax Returns
W-2′s
Income verification
Don’t leave anything out! Okay – now you know what to do – it’s time to go look at houses. Give me a call at 817-914-4987 and we can get the ball rolling in the right direction.









