The Ten Commandments

When applying for a mortgage
  • 1Though shalt not change jobs, become self-employed or quit your job.
  • 2Though shalt not buy a car, truck, or van (you may be living in it).
  • 3Though shalt not use credit cards excessively or let current accounts fall behind.
  • 4Though shalt not spend money you have set aside for closing.
  • 5Though shalt not omit debts or liabilities from your loan application.
  • 6Though shalt not buy furniture until after closing.
  • 7Though shalt not originate any inquiries into your credit.
  • 8Though shalt not make large deposits without checking with your loan officer.
  • 9Though shalt not change bank accounts.
  • 10Though shalt not co-sign a loan for anyone.

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