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                                      Top Ten "Musts"
         During Mortgage Loan Process


    Maintain current employment rather than changing jobs.

    It's important to be seasoned in your current job.

    Don't change banks while buying a home.

    Avoid incurring new debt, such as a new car, truck or watercraft.

    Hold off on charging furnishings for your new home.
      
    Minimize your use of credit cards, and avoid late payments entirely.

    Do not co-sign a loan for another party.

    Be sure to keep money set aside for closing costs.  

    Avoid credit inquiries.  It appears to be the potential for new debt.

    Avoid financial decisions that increase your debt-to-income ratio.
With cash-out refinancing, you refinance your mortgage for more than you
currently owe, then pocket the difference.
Lower your monthly bills with
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and home equity loans.
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With cash-out refinancing, you refinance your mortgage for more than you currently owe, then pocket the difference.
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