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.
I could go on and on about these guys, but to keep it short and sweet, these guys are super helpful and on top of things! I loved being able to reach out at almost any time of the day and they would get right back to me and explain...
05/29/2026
Heather Gatewood made my buying experience a pleasant one. She made sure that I was taken care of during the entire process. I highly recommend her to anyone that is interested in purchasing a property!
05/29/2026
We have truly enjoyed working with Michael and team .
Rutledge, TN, 05/28/2026
Rory, it was so fun working with you with our little Jimmy P. lets do another one and hope to see you soon and maybe with Patterson's .
Nashville, TN, 05/28/2026
did a great job in this whole process and communicated very well on everything that was taking place. Lisa is very knowledgeable when it comes to this stuff and I highly recommend her.
Columbia, AL, 05/28/2026
