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Tips for a Smooth Loan Approval

You may have heard horror stories from friends and family about the process they went through to get a mortgage. One of our goals is to ensure that your mortgage experience doesn’t turn out the same way.

To help ensure your loan process is as easy as possible, we’ve put together a list of Do’s and Don’ts to follow as you move from loan application to closing on your purchase or refinance.

Be aware that your assistance makes a big difference in how smooth the process moves along and is an essential part of helping to avoid delays. Our goal is to deliver excellent customer service to you, and with your help in following these Do’s and Don’ts, you’ll be sitting at the closing table in no time.


DO call us with any questions you may have throughout the process. It’s our privilege to help you!

DO respond to calls and requests for documentation from us quickly.

DO keep paper records of any transactions such as copies of checks you deposit in your bank.

DO send us your insurance policy quickly or let us know if you would like a referral to an agent.

DO use caution when sending your personal information. We have secure methods for you to provide this information.

DO let us know if there are any changes in the source of funds for your transaction.

DO let us know if you receive any gift funds or other large deposits, and be sure to document the transaction.


DON’T make any major purchases such as cars, boats or furniture.

DON’T open or close any credit or bank accounts, including new loans.

DON’T transfer money between accounts.

DON’T pay off any accounts or charge-offs/collections without discussing it with us first.

DON’T receive and deposit a monetary gift without first discussing the transfer of funds with your mortgage advisor.

DON’T change positions, employers or take a leave of absence.

DON’T start home improvement projects or move residences.

DON’T make cash deposits into your bank accounts.

This shortlist of Do’s and Don’ts will keep your mortgage approval process on the right track. If you have any questions, please reach out to your loan officer. They can guide you to the appropriate actions to take for smooth loan approval.

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