✅ Do’s and Don’ts During the Mortgage Process
Buying a home is one of the biggest financial decisions you’ll ever make — and small missteps during the mortgage process can cause major delays or even loan denial. The good news? You don’t have to guess your way through it.
Here are the essential do’s and don’ts every Michigan homebuyer should follow for a smooth, stress-free mortgage experience.
✅ THE DO’S
✔ Stay Current on All Accounts
Missing even one payment can drop your credit score. Always pay bills on time — especially during the loan process.
✔ Use Credit As Usual
Avoid drastic changes to your spending patterns. Lenders look for consistency in your financial behavior.
✔ Call Your Mortgage Team First
Thinking about changing your address, credit, or job? Always consult the Kirby & Angie Mortgage Team before making changes — even small ones. We’ll let you know what’s safe (and what’s not).
🚫 THE DON’TS
✘ Don’t Change Your Employment
Avoid job changes, promotions, or shifts in income type. Lenders verify stability — so hold off until after closing.
✘ Don’t Make Big Purchases
New cars, furniture, or appliances can impact your debt-to-income ratio. Wait until your loan has closed.
✘ Don’t Make Large or Unusual Bank Deposits
Lenders review your bank statements closely. Any unexplained or sudden deposits could require documentation — or worse, delay your loan.
✘ Don’t Apply for New Credit
New credit inquiries can lower your score and complicate underwriting. Wait until your mortgage is finalized.
✘ Don’t Close or Max Out Credit Cards
Keep accounts open and balances low. Changes in your credit utilization can throw off your approval numbers.
✘ Don’t Consolidate Debt Without Talking to Us
Shuffling credit card balances might seem helpful, but it could actually hurt your score or confuse your credit report.
💬 Final Thoughts
The key to a smooth mortgage experience? Consistency, stability, and clear communication. When in doubt, reach out.
We’re here to guide you through every step of the process — from application to closing — with expert advice tailored to Michigan buyers just like you.
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