Do Provide Requested Documents Promptly: Respond to your lender's requests for documentation quickly and accurately. Delays in providing necessary information can slow down the approval process.

Do Keep Your Finances Stable: Avoid major financial changes like opening new credit accounts, making large purchases, or changing jobs. These actions can raise red flags for lenders.

Do Keep Making Payments: Continue making all your regular payments, including credit cards, loans, and bills, on time. Consistent payment history is important.

Do Communicate Changes: If there are any significant changes in your financial situation (such as a change in income), inform your lender promptly.

Do Maintain a Paper Trail: Keep records of all financial transactions related to the homebuying process, including deposits and transfers, to demonstrate the source of funds.

Do Ask Questions: If you're unsure about any part of the process, ask your lender for clarification. It's better to be well-informed.

Do enjoy the home purchasing process: But remain objective throughout the process to help make decisions that are best for you

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Don't Apply for New Credit: Avoid applying for new credit cards, loans, or other forms of credit during the approval process. Each application can impact your credit score.

Don't Close Existing Credit Accounts: Closing credit accounts can alter your credit utilization ratio, potentially affecting your credit score.

Don't Make Large Deposits: Avoid depositing large sums of money into your accounts without proper documentation. Lenders need to verify the source of these funds.

Don't Change Jobs or Careers: Avoid changing your employment situation during the mortgage process. A stable employment history is viewed favorably.

Don't Co-Sign for Others: Co-signing for someone else's loan or credit can impact your debt-to-income ratio and overall credit profile.

Don't Make Unexplained Deposits: Lenders may scrutinize deposits that can't be easily traced back to a legitimate source, so be prepared to explain large or unusual deposits.

Don't Overspend or Drain Savings: Keep your finances stable and avoid depleting your savings, as this can affect your ability to cover closing costs and other expenses.

Don't allow anyone else run a credit check on you.

Don't wait to liquidate funds needed for closing (consult your mortgage professional first though)

Don't be afraid to ask questions: If you EVER wonder if you should or should not do something, please always give your approved Hero Homes Texas lender a call first to discuss.