WHEN PREPARING TO BUY YOUR HOME

So you are ready to make the purchase on your home.  You have done your required pre-approval and you may have already found the perfect home.  There are a few things that you need to keep in mind that could cost you the closing even down to the last minute if you are aware and careful.

• Typically your down payment and closing cost funds have to be verifiable and seasoned.  (Put in the bank and leave there). 
• Your credit report has been run by your lender and may be ran again just prior to closing.
• Your employment may be re-verified just prior to close and or recording.
• Do not apply for any other credit during this time at all.
• Do not use your charge accounts or credit cards at all during this time.
• Do not get any new credit at all or take any cash advances.
• Do not buy a new car (not even a used one if financed).
• Do not change jobs without talking to your lender FIRST.

These are all things you will here numerous times during the process from many of us involved in your transaction and your lender may even have you sign something stating that you were informed and you understand the consequences.

Any of these items could cost you the entire transaction.
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