Guidelines for a Seamless Loan Approval
To help avoid delays with your loan approval, below is a list of tips that will help you avoid the more common pitfalls during the loan process.
Do's
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Stay in touch: Keep an eye on your email and voicemail and respond when you can to keep things moving smoothly.
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Keep paperwork nearby: Hang on to financial documents and new paystubs as they come in.
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Expect a few extra requests: Lending rules have changed, so we may ask for more documentation than you expect—but there’s always a reason.
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Share changes right away: Let us know if your income changes, you receive a collection notice, or anything unexpected comes up.
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Save your statements: Keep complete bank statements (yes, even blank pages!) and note any non-payroll deposits.
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Planning on gift funds? Tell us early—gift funds just need a signed gift letter and proof of where the funds came from.
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Keep housing on track: If you’re renting, continue paying rent on time and save proof of payment.
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Getting ready to move? If you’re selling or renting out a home, we’ll help you know what documents to have ready.
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Protect your credit: Keep making payments on time—your credit is checked through closing.
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Travel plans? Let us know if you’ll be out of town around closing day.
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We’re here for you: Questions pop up—just give us a call. We’re happy to help!
Don'ts
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Don’t hesitate to ask questions — we’re here to help, even if you’re just getting started.
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Don’t take on new debt or make big purchases during the process.
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Don’t open, close, or move credit accounts without checking with us first.
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Don’t pay off collections or charge-offs unless we advise you to do so.
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Don’t start new loans, leases, or co-sign for anyone.
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Don’t allow new credit checks until after your loan closes.
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Don’t change banks or open/close accounts during the loan process.
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Don’t make large or undocumented deposits — avoid cash and keep records handy.
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Don’t delay selling investments if you’ll need those funds for closing.
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Don’t change jobs or income status without letting us know first.
Jerry Smith is someone you can trust and will be there when you need him. Would definitely recommend him to anyone he will help you.
07/14/2026
Made buying a house understandable and easy!
07/14/2026
We couldn't have done it without them. Thank you all so much.
07/14/2026
First time homebuyer here with zero experience doing this, the Lithgow team made the process super simple and took the time to fully explain everything every step of the way.
07/14/2026
The entire interlinc team was professional and courteous We would use them again
Midland City, AL, 07/13/2026
