Mortgage Do’s

1. Do stay current on all of your existing Credit Accounts- Pay everything on time.

2. Do keep all Financial Records in order.

3. Do ask Questions during the homebuying process.

4. Do get Pre-Qualified with Jerromy Downey before shopping for a Home.

5. Do hire an Exclusive Buyers Real Estate Agent before beginning your Journey.

6. Do be sure to maintain your Current Job.

7. Do call or Text me with any questions. 205-495-0313

8.  Do get a Home Inspection.

9. Do turn in all requested documents within 24 hours.

10. Do be upfront with everything. Underwriters are very thorough. 

Mortgage Dont’s

Consult with your loan originator before doing any of the following to learn how it may affect or delay the processing of your loan.

1. Don’t quit your job. A verification will be done within 24 hours of closing.

2. Don’t apply for any new credit.

3. Don’t pay off any debts, contact your Loan Officer.

4. Don’t Close your Credit Card.

5. Don’t Change Jobs during the process.

6. Don’t shop for a Home without a Pre-Qualification Letter.

7. Don’t make any Cash Deposits into your Accounts.

8. Don’t transfer Credit Card balances during the process.

9. Don’t borrow Money for your Down Payment.

10. Don’t spend money that is set aside for the Down Payment and Closing Costs.

As always you can reach me at 205-495-0313, I will be more than happy to walk you through all stages of the Loan Process.