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When applying for a real estate loan

1. Thou shalt not change jobs, become self employed or quit your job

2. Thou shalt not use charge cards excessively or let your accounts fall behind

3. Thou shalt not spend money you have set aside for closing or downpayment

4. Thou shalt not stop making your mortgage payments while waiting for your refinance to go through

5. Thou shalt not originate any enquires into your credit

6. Thou shalt not make large deposits without first checking with your loan officer

7. Thou shalt not change bank accounts

8. Thou shalt not co-sign a loan for anyone

9. Thou shalt not buy a car, truck or van (or you may be living in it)

10. Thou shalt ensure that the application is completed fully, accurately and honestly


Each of these "sins" has been committed by a mortgage borrower resulting in the denial of their application.  Don't let this happen to you.






Copyright 2005 Northern Range Business Solutions Inc.