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Dos
- Send requested documents as promptly as you can
- Disclose the income you want considered for qualifying
- Disclose your debt (i.e. side business, alimony, child support, additional real estate owned etc.)
- Be honest about your credit (good or bad)
- Pay your bills on time (mortgage, rent, car payments, credit cards, etc.)
- Use your credit card normally
- Make sure your spouse is available for the closing (if purchasing a primary residence)
- Communicate with your loan originator and loan partner
Don'ts
- Change or quit your job
- Pay off debts, collections, or charge-offs (unless your loan officer recommends it)
- Move out of your current home
- Make major changes to your asset structure
- Co-sign or co-borrow on anything
- Make large cash deposits into your bank accounts
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