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What to Avoid During the Closing Process

CHANGING YOUR MARITAL STATUS

How you hold title is affected by your marital status. Be sure to make both your Lender and Escrow Officer aware of any changes in your marital status so that documents can be prepared correctly.

CHANGING JOBS

A job change may result in your loan being denied, particularly if you are taking a lower paying position or moving into a different field. Don’t think you’re safe because you’ve received approval earlier in the process, as the Lender may call your employer to re-verify your employment just prior to funding the loan.

SWITCHING BANKS OR MOVING YOUR MONEY TO ANOTHER INSTITUTION

After the Lender has verified your funds at one or more institutions, the money should remain there until needed for the purchase.

PAYING OFF EXISTING ACCOUNTS UNLESS YOUR LENDER REQUESTS IT

If your Lender advises you to pay off certain bills in order to qualify for the loan, follow that advice. Otherwise, leave your accounts as they are until your escrow closes.

MAKING ANY LARGE PURCHASES

A major purchase that requires a withdrawal from your verified funds or increases your debt can result in your not qualifying for the loan. A Lender may check your credit or re-verify funds at the last minute, so avoid purchases that could impact your loan approval.