Tips for a Smooth Home Loan


  • Respond promptly to your loan officer. You must respond promptly to any additional requests for information or documents. Waiting too long could cause a delay, creating a problem with the home you want to buy.
  • Use your credit cards and spend money as usual. It’s best to keep your spending and bank accounts healthy. You can use your credit cards, but don’t consolidate your debt onto one or two credit cards or make any large purchases.
  • If you need to make a purchase that may affect your credit, mention it to your loan officer immediately.


  • Transfer bank balances from one account to another or change bank accounts.
  • Make changes to your credit during the loan process. This means don’t apply for new credit cards or loans. A change on your credit report before your loan closes could put you in a position where you may lose your dream home.
  • Miss any bill payments. This could negatively affect your credit, which could also result in changes to your ability to secure funding for your home.

*Rate contains a variable rate feature. Annual Percentage Rate and terms available upon approved credit. If qualifications are not met, a higher rate may apply.

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