• Pay all your bills on time (at least the “minimum payment” on credit cards)
  • Pay off smaller debts.
  • Make sure any deposits that are not direct payroll deposits have a paper-trail of where the funds came from.
  • Respond to our e-mails or messages as soon as possible.
  • Advise of any financial changes. (pay raise, job change, promotion, etc.)



  • Don’t apply for or accept any new credit cards or lines of credit.
  • Don’t accept funds unless the person donating is willing to furnish 1 month current bank statement for paper trailing purposes and sign a gift letter.
  • Don’t deposit cash into your bank account
  • Don’t co-sign on any loans.
  • Don’t allow anybody to run your credit report.
  • Don’t close any of your credit cards.
  • Don’t make any large purchases on your credit card (Including furniture!)
  • Don’t let balances on your credit cards exceed 30% of their limit. (helps maintain and improve FICO scores)
  • Don’t get involved in a law suit, or accidents that might cause law suits.
  • Don’t dispute anything on your credit report without speaking to your loan officer first. 

*Call if you have any questions or concerns – please communicate with your loan officer*