Most delays can be avoided by a simple pre-approval prior to the loan application process. Providing our Loan Specialist with complete and accurate information should ensure a smooth and speedy closing. Be prepared to discuss any credit problems, including a history of late payments or nonpayment of debts, tax liens or any outstanding judgments you may be facing. In these cases, it is always best to be prepared to submit additional written explanations or clarifications for us to provide the lender.

Be sure to keep us informed should your personal or financial status change between the time you submit an application and the closer the loan gets to closing, such as a change of jobs, any increases or decreases in salary, or if you should incur additional debt or change your marital status.