Guidelines for a Seamless Loan Approval
To help avoid delays with your loan approval, below is a list of tips that will help you avoid the more common pitfalls during the loan process.
Do's
-
Stay in touch: Keep an eye on your email and voicemail and respond when you can to keep things moving smoothly.
-
Keep paperwork nearby: Hang on to financial documents and new paystubs as they come in.
-
Expect a few extra requests: Lending rules have changed, so we may ask for more documentation than you expect—but there’s always a reason.
-
Share changes right away: Let us know if your income changes, you receive a collection notice, or anything unexpected comes up.
-
Save your statements: Keep complete bank statements (yes, even blank pages!) and note any non-payroll deposits.
-
Planning on gift funds? Tell us early—gift funds just need a signed gift letter and proof of where the funds came from.
-
Keep housing on track: If you’re renting, continue paying rent on time and save proof of payment.
-
Getting ready to move? If you’re selling or renting out a home, we’ll help you know what documents to have ready.
-
Protect your credit: Keep making payments on time—your credit is checked through closing.
-
Travel plans? Let us know if you’ll be out of town around closing day.
-
We’re here for you: Questions pop up—just give us a call. We’re happy to help!
Don'ts
-
Don’t hesitate to ask questions — we’re here to help, even if you’re just getting started.
-
Don’t take on new debt or make big purchases during the process.
-
Don’t open, close, or move credit accounts without checking with us first.
-
Don’t pay off collections or charge-offs unless we advise you to do so.
-
Don’t start new loans, leases, or co-sign for anyone.
-
Don’t allow new credit checks until after your loan closes.
-
Don’t change banks or open/close accounts during the loan process.
-
Don’t make large or undocumented deposits — avoid cash and keep records handy.
-
Don’t delay selling investments if you’ll need those funds for closing.
-
Don’t change jobs or income status without letting us know first.
Workflows were clearly communicated and understood to see what was next in the process to make the entire close process smooth.
07/17/2026
Bob was great to work with. He was always available when we had questions and took the confusion out of the whole process. Everything felt easier to understand, and we were comfortable every step of the way.
07/17/2026
I honestly couldn't ask for better communication and customer service from a lender! From title companies to clients to my weekly update on each buyer.. it has just been amazing to work with Alex and Brion!
07/17/2026
Dominique Ellis with InterLinc Mortgage is a pleasure to work with. She is incredibly responsive, communicates clearly, and is always available to answer questions throughout the lending process. You never feel left wondering what's going on because she keeps you informed every step of the way. Her professionalism, reliability, and...
07/16/2026
Dom the Bomb dot com! Is there a such thing as a magical loan officer? If you are like me and didn't think so, then you obviously haven't done business with Dominique. She is truly a Jedi when it comes to lending. If you are searching, you can stop, call...
07/16/2026
