Making Moves with Mandee

Simple Steps to Keep Your Colorado Mortgage on Track: From Pre-Approval to Closing

Making Moves with Mandee: The Do’s and Don’ts Before and After Applying for a Home Loan


Applying for a mortgage is exciting, but making a single mistake can slow down your home buying plans. Here are the most important things to do  and to avoid from the moment you apply until you close on your Colorado home.


The Do’s

  1. DO Keep Your Finances Stable
    Keep your job, income, and credit accounts unchanged. Lenders don’t like surprises!
  2. DO Pay Bills on Time
    Late payments can lower your score and put your loan at risk.
  3. DO Respond Quickly to Your Lender
    If they need more info, get it to them fast, this keeps your timeline moving.
  4. DO Save For Closing Costs
    Have funds on hand and ready to go.
  5. DO Stay In Touch With Your Agent
    If you have lender questions, your agent can help!

The Don’ts

  1. DON’T Make Big Purchases
    Buying cars, furniture, or appliances can spike your debt—and derail your loan.
  2. DON’T Open or Close Credit Accounts
    Avoid new credit cards, car loans, or closing old accounts.
  3. DON’T Switch Jobs (If Possible)
    If you must, talk to your lender first.
  4. DON’T Deposit Large, Unexplained Sums
    Big bank deposits must have a paper trail, your lender has to verify the source.
  5. DON’T Co-sign For Anyone Else
    Committing to another loan changes your own debt picture, even if you’re not the primary borrower.


Bottom Line:
Your mortgage approval depends on consistent, responsible financial habits. By following these do’s and don’ts, you’ll breeze from pre-approval to closing with peace of mind.
Questions about the process? I'm ready to help you every step of the way!


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