1)   DO NOT change jobs

      Lenders will verify your employment the day of closing.

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2)   DO NOT change your pay structure

      Lenders may need an additional paystub.

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3)   DO NOT apply for new credit

      Lenders may have to pull credit again before closing and inquiries can lower your                credit score.

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4)   DO NOT change your marital status.

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5)   DO NOT deposit any sums into your bank that cannot be documented thoroughly

      Lenders may need an additional printout prior to closing to show funds are                          available or items have cleared.

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6)   DO NOT dispute any items on your credit

      No disputes allowed on credit reports, even if settled or paid.

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7)   DO NOT charge up your credit cards "getting ready for the new house"

      This could lower your credit score or increase your debt ratio.

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8)   DO NOT let your driver's license expire

      The notary at the title company requires current identification.

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9)   DO NOT skip payments on your current bills to "save up for the house"                                including rent.

      Lenders might have to re-verify prior to closing.

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10) DO NOT spend money from your checking account unless absolutely necessary

      Lenders may ask for additional printouts from your bank to check funds.

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11) DO NOT make application for other loans for another property

      Lenders check a system called MERS which identifies any loans you have applied for.

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12) DO NOT put any gifts funds into your account

      Check with your loan officer on the necessary procedure.

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